I havent reformatted since I bought this mobo a couple of years back.
My OS installation has survived a service pack screwup, a failing SCSI drive, mirroring onto the replacement SCSI drive, mirroring onto my Raptor, several moderate to severe virus/malware infestations, GFX card blowing up....
And still I refuse to reformat!
theres always a way to fix without reformatting.
Defrag your drive before you install any programs and if possible keep your swap file on another drive or at a fixed size and you'll be fine.