Are you not using iTunes? When you sync purchases you make on the phone generally transfer to iTunes. If not you can click >>file>>transfer purchses. Even if your harddrive dies iTunes keeps a record of bought apps when it is re-installed. I guess you could always "drag" the app from the app page to another drive and save the IPA file if you want to save them that way.
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Iphone 3GS 32gb, Future Nokia n900 (preorder)
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