Steam ? Not a problem.
Anyone who actually uses Steam knows that all you have to do to regain your library is reinstall Steam and logon with your password.
Steam is reliable. Steam does not care about your hard disk, your graphics card or your CPU. You can log on to your own account from any computer or tablet that can run Steam - as long as you have your password, you have access to all your games.
You can upgrade your PC, you can install Steam on a brand-new HDD, you can even copy your existing Steam directory on a different PC - the only thing that counts is that you log on with your ID and password.
If Steam is the only problem for someone, then it is no problem. Reformat your disk, reinstall the OS, install Steam and log on. Fuck those scumbags.