I guess from the mixed responses - cudos to you that have had no problem and to those that have experienced our mishaps here - "your monies are someone elses".  I have 2 computers that are not being used soooooooooooooooo - I think in spare time I will build a mirror of poser/runtimes for my better half and once a month do a dump. In the meantime I am dumping to an external upstairs.