|S.M.A.R.T is "dumbed down" such that it will not generate messages unless something significant is wrong. |
If you get a message from S.M.A.R.T. you should test the hard drive.
Check your hard drive with the manufacturer's diagnostics.
See the latter part of response 1 in this:
(thanks to Dan Penny for this link:)
Hard Drive Diagnostics Tools and Utilities
If you don't have a floppy drive, you can get a CD image diagnostic utility from most hard drive manufacturer's web sites, but obviously you would need to make a burned CD, preferably a CD-R for best compatibility, on another computer if you need to.
Seagate's Seatools will test any brand of hard drive.
Do the long test.
If the hard drive itself tests okay, any data problems found can be fixed, one way or another.