TheWobble: Losing your password is not that big a deal - however formatting your harddrive is. Why on earth are you doing such a thing? And often also? I'd say you're doing something very wrong with your puter.
What kind of problems force you to reformat?
If you want to reinstall Windows for example, there are far better ways than formatting.
If you insist on formatting anything, at least make a copy of your existing registry first (AH saves and gets information to and from the registry

) AND make sure you have partitioned your harddrive so that C: contains only windows + swapfile + maybe office etc.
Install all other software on D: E: F: etc partitions which you might (or will) have after partitioning your HD.
The least you can do is to cut windows to its own partition so you wont lose everything during the format (which you shouldn't do in the first place.)