If you do have Ghost 10, then you are in really good shape. Ghost 10 is the latest of Symantec's consumer imaging software. The latest version of the corporate version of ghost is 8.2. Go figure? There used to be a serious competitor to Ghost but Symantec bought them a while back. I've played with other imaging software and I still like Ghost the best. MS is currently working on a imaging software themselves, but unlike Ghost, is strictly a command line utility and requires a bootable Win PE CD or a another computer. MS's imaging tool is also still in beta and won't be released for a couple more months at the earliest.
Ghost 10 will allow you to setup scheduled backups and will take the snapshots *while_windows_is_running*. You don't have to do this and can use the included Ghost 2003 bootable CD to image your partition or whole disk to an image file. Ghost 10 uses a different file extension for its image file than does the Ghost 2003 CD.
Either way, VERY worth it. If you schedule regular backups or manually do them yourself and you suffer software or hardware failure. You are only ~30 minutes (give or take depending on amount of data) away from being back up and running again.
Regular backups are key. If a month or two goes by and you haven't made a fresh image, some people will rather start from scratch with freshly updated drivers than go through the hassle of updating a several month old system.
~nstuff