First of all system restore mostly restores registry and some system/program files, usually won't restore user files (at least it does say so during restore process, otherwise I would be really angry if it changed my let's say checkbook reconcilation back to the state from month ago). In case of multiple hard drives, it needs to be set up for each individual drive, but at that point I'm not quiet sure what actually gets backed up. To backup user files you probably need backup program.
