Alice,
I own a Camera Store and hear this story multiple times a week. Saving your photos in the future is as easy as the posts have said for off-site storage. YOu create a folder for your photos and send it right before you go to bed. What the majority of our customers do is just burn CD's or DVD's---like two of each...to be stored in separate places. We have ours, one at home and one in a saftey deposit box with all the other stuff. (Personal photos)
Memory Cards are like everything else, there are only a few manufacturers and they market their products under many names. I don't know as there are better ones or worse ones. I used to buy only San-disk but we have seen as many problems with them as others....which I must say is rare. I have seen them break like yours, but only a few times. THe biggest thing that happens to them is in the winter we see people "shock" them with a static electricity shock and that will totally destroy them every time.
The other big problem we see is simply human nature. You can buy these huge cards that hold hundreds or a thousand photos and people shoot for a long time with out a download. Like you, maybe years. This leads to tragedy too. While the digital world has many, many advantages, there are many draw backs and unforunately you experienced one here.
Procrastination is the biggest enenmy of making your photos archival....easy for me to say as I have been known to do just that.....as in my footer/signature below says.
When the world was changing to digital and film was still a viable option, I used to ask people if they were the type that picked up their photofinishing and just threw it in a drawer, but never got them in albums, and if they did, maybe downloading, manipulating and saving to a folder then digital was maybe not for them. Film, of course is not a good option any more, but some diligence in saving your images is.
Coming from a world that we had custom B&W services, where we printed Grandmas negs for early to mid 1900's digital is much more a "short term" memory.
If this ever happens again, and the card is not split in the citical parts, there are many service providers that can recover your images. They are pricey....sometimes hundreds, and while it sounds as if this may be a done deal, in the future it may be an option.