Most hot-swappable drives are only needed in data redundant modes like raid1 or raid 5. Like for a raid 1 setup where it does disk mirroring, if one of the drives go bad with a hot swappable setup, you can take the dead drive out, and replace it with a new one all while the computer stays on. It then goes about restoring the information from one hardrive to the other, while still operating. The same applies for raid 5 except that raid 5 does data striping and is redundant(more complex than that, but I don't feel like explaining it). Hot swappable drives really wouldn't serve too much purpose for a home desktop machine, but if you are looking for a hardrive that you can plug in and transfer from system to system while the computer is still on just get an external usb or firewire hardrive.
Michael