Hi Bill
Yes, like you, I'm backing up at least once a week.(Belt and Braces ) I wont risk the re-format at the moment until a new SD card arrives - then I'll transfer my latest back up onto the new card then try the reformat of the 128Mb card.
I've ordered a 256Mb (SanDisk) through e-bay which is en route from the US at a cost of £89 + postage (£4.99). If any UK members want details, drop me a line.
John