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Never did it since 2000.
Had 98, XP and 7. Never needed a reformat. I did have to repair the MBR, use backups in-between harddrives changes, but I never had to format.
I did clean installs for each OS changes and everything went smoothly until their end of life.
I did change computer 3 times. Took a backup from one harddrive to the other and it was always good.
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