I'm not sure what you mean exactly by a "tower"... but I'm assuming you mean some sort of shelving system... rather than a traditional enclosed server-rack.
A rack can hold up better assuming you bolt it to the floor, but unless the building it is in has some sort of shock-dampening the servers are still going to feel the full effect. (very bad for disk platters) Simply placing your servers on some sort of shelving system, means that they'll be loose and will more-likely to slide around and fall over which can cause even more risk to the equipment. Rack servers have some sort of sliding rail system that "locks" into the server rack and will prevent them from sliding at all.
In my experience, there is no better way to maintain "up-time" than to have at least two of everything in at least two completely geographically separate data centers. If your data center in one location gets hit bad enough that you have to replace equipment... it's significantly less likely that your other data center will be similarly hit. Of course... two of everything means twice the cost/expense. You should always plan for redundancy in everything you do. Disk drives should be run in some sort of parity based raid. (raid 1, 5, 6, 10 etc...) Depending on the quality/grade of routers & switches, you may feel comfortable relying on 1 router and switch rather than two. You may want to also consider using 1 switch for "users" and two switches for fail-over for your servers. Investing in 2 links for every workstation is pretty unreasonable for 99.9% of offices... but depending on up-time requirements and maintenance cycles... you may want to have 2 or more connections for each server... so you can update firmwares & configurations without having to have a disconnected server at any-time.
As this is in a "small-city"... you can probably afford some down-time periodically, and so it really comes down to a matter of cost. 99.9% up-time is pretty easy to maintain on a fairly low budget... but adding additional 9s to that usually drives the price up exponentially.