I don't agree the filesystems are currently 100% fine - I've lost a lot of data on ext3, most likely due to the default use of write caching in the drive (not a filesystem issue but the default is dangerous for use with most filesystems) combined with a lack of journal checksumming (added in ext4). Also, until btrfs is stable, we won't have disk block level checksums, as in ZFS, which is the one thing that really makes me want to use OpenSolaris.
See http://lwn.net/Articles/350072/ and in particular the link to the University of Wisconsin paper linked within the thread - they looked at reiserfs, ext3 and JFS, and how they cope with disk failures.