I learned the hard way to always back up before messing with this kind of thing. Burn a CD-R of anything important first. It takes 10 minutes and could save you from losing everything if something goes sideways.

I work in IT and see this question a lot. The short answer is yes, it's worth doing. The long answer depends on your specific setup. What operating system are you running? That makes a big difference in the approach.

I dealt with this same issue last year. The key thing is to make sure you're using the latest version of your software and check forums like Slashdot or Ars Technica for specific fixes. Technology changes so fast that advice from even 6 months ago can be outdated.

Whatever you do, don't pay some 'computer guy' $80/hour to do this. It's a 20-minute job you can handle yourself. There are step-by-step guides all over the web with screenshots. Save your money for a faster modem or more RAM.

It depends a lot on your connection speed. If you're still on dial-up, some of this just isn't going to work well no matter what. Broadband makes a night-and-day difference. Is DSL or cable available in your area yet?

I posted this exact question on a newsgroup a while back and got a ton of helpful replies. Don't sleep on Usenet — comp.* groups are full of people who actually know what they're talking about, way more than some web forums full of script kiddies.