This would open up a lot of interesting ideas, but it should probably be up to the mod/mission designer what effects cloaking should have. Maybe it could be made into a sexp.
It's really frustrating when things like the happen. I have never had a total disk-wide faliure (before I noticed it and backed up stuff) but wouldn't want to think of what would happen if that occurred. How long do you think it will take to redo the effect?
75GXP
I had one of these die on me last year, although it wasn't so much of a click of death as a whine of death that got became very loud over a two-month period. It was sounding like an airplane when I finally disconnected it.
My current HD also seems to be having trouble as it always locks up (along with the rest of the computer) for ten or so seconds after writing about 44mb, after which everything is okay again, but I think that it's an issue with a loose internal connection (occasionally the hard drive disconnects and the system cannot read it at all during boot, but shaking the computer a bit fixes it) or the ATA controller, which I will be removing soon anyway once I get some time.