I don't see much point to ghosting a whole drive for average users. Just backup whatever documents you want, and then just transfer them onto your new computer/drive with a fresh OS install. Most people collect a lot of crap they never use over time so a fresh installation, and then transferring whatever old documents you actually need, is probably better than ghosting IMO. I'm not a very technically-savvy individual so I'm sure there are advantages to ghosting that I'm not seeing right now. But for an average, straightforward user, I'm not sure they outweigh the speedy gains of having a fresh install.
I do agree with all those saying that the next time you start the computer up, should be the time you back everything important up, by whatever means you prefer.