I agree. So for my backups I only copy a designated "data" directory to my USB drive, rather than ghosting my entire drive. That way, when I have a disk crash, full disk, or some really sticky malware, I take the opportunity to wipe the disk (or get a new disk) and reinstall. Seems like about once a year per PC. That way I don't also restore the crap.
So part of my backup system is procedural: keep all my important data under one directory, and streamline the reinstall procedure by keeping all the CDs and license files where I can quickly get them.
The downside is the reovery time for that PC, even streamlined, is longer than from a ghosted drive. However, the backed up data on the USB drive can be plugged into another PC right away.
I use Second Copy to back up my data directory to the USB drive. I've heard Memeo is good too.
One thing I found useful was to build the system to a 'perfect' original state. Format/install Windows install all updates and service packs and maybe essential base apps, then Ghost the system. At least you will have a recovery disk to a 'perfect' updated base install. This could save a few hours anyway, rather than building totally from scratch.
I have a small business and use MS Frontpage as my website software. With all the talk about MS preventing their software to be copied to other computers, I'm relunctant as I may not be abnle to get my MS software operating again.