I know your pain. I hate the metallic taste of panic when you realise that "it's all gone, all my work is gone!"

Personally, I prefer to use good ol' fashion html to do anything fancy. I do seem to use FCKEditor when I install a WYSIWYG editor. I've got it working a Rails web app and in Drupal 6 (neither is hard) - perhaps it is worth checking out as a free alternative.