You really do risk losing them if they are your only copy.
CD’s and DVD’s are cheap enough, just use them to make additional copies. As an additional safety measure, try not to store CD’s/DVD’s in same location as PC/MBL. If your house catches fire or is flooded, you risk losing them all! If this is not possible, consider investing in a fireproof/waterproof box to keep them in.
How much you are prepared to spend to protect them, really does depend on the value YOU place on them.
