I just read an article at WindowsITPro.com that echoes the exact reason I don't use VoIP at home. I just dread missing important calls because of a power or broadband outage as stated in this article:

The end result is that Comcast has got me back up and running, and my email is functioning again, but for a while, I was stuck traveling to the nearest hotspot (which wasn't that near) to send mail. Now I'm seriously considering adding a plain old telephone service (POTS) line to my office as a backup to my Internet connection.

It does make me wonder what the future will be for VoIP if users determine they still need a hardwired phone connection.

Read Do You Need a Wired Backup Connection?

Whats your experience with VoIP? Is the risk of down time worth a few bucks a month?