gamezone gave me the idea to this poll with his post about having to fill NES boxes with games that he doesn't have at the present.
I don't have to have every single game for every single console. I'd like to have my games as complete as possible, with boxes and instructions, but I'm not hardcore. I only am hardcore in a few aspects, like wanting the entire Starpath library for the Atari 2600, since there's only 12 games (and I'm a third of the way there!).
Tough decision. I started collecting because I was introduced to ROMS and emulators. For me it was the legal issues.
Seriously what are the chances my home will be raided and they find all these back-ups. But if they do I have the carts to prove why I have backups. MAME is another story but it goes like this "They are in a storage unit in Idaho and I lost the key".