Well if your pc was die or shutdown you can be still get your hdd and use enclosure to open it to other pc and find the wallet.dat in your hdd once you just not backup your wallet seeds or private keys this is a good alternative once you forgot to backup your wallet and accidentally your pc die..
But always make sure that you backup your wallet not only your hdd drive D: you should make it rar with encrypted password and upload to your own cloud files like in google drive to backup all of your files.. if your pc was formatted you can download your backup and recover your electrum wallet..
If the PC fails due to crashing (Even if the PC recovers from it) the data can still be lost so it does need backing up.
Thanks guys for your answers. I have the SEED written down so I will simply keep that safe (offline) and all should be well
The seed should be sufficient to recover your wallet so that's good.