I will assume that a central database on a server is not feasible because your systems are running standalone and are not connected to anything. So this is what I would do
Set up RAID on the computer. This insures you against simple disk failure.
Any SQLSever database can be recovered to the point of the last commited transaction if you have a full database backup and a set of transaction logs available. Basically you simply restore the last full backup then apply the transaction logs going forward. See these links.
http://www.enterpriseitplanet.com/storage/features/article.php/11318_3776361_3
https://web.archive.org/web/1/http://blogs.techrepublic%2ecom%2ecom/datacenter/?p=132
So what you need to do is set up a periodic full backup of both the database and transaction logs, and more regular transaction log backups (and ensure that your transaction log can never run out of space).
In the event of failure you restore the last full backup, then apply the transaction logs going forward.
Myself, if these are critical systems, I would be inclined to add an additional drive to the system and make sure that the backups are copied over to that. This is because as good as raid is it does sometimes have issues - raid controllers fail, disks get wiped accidentally in parallel, disk failures go unnoticed so your just running on one disk etc. If you ensure backups are copied to a separate disk then you can always recover to the last transaction log backup. You should also ensure tape backups of course, but they are generally a last resort in the event of trouble.
If for some reason you cannot set up raid then you should still install a second disk, but place the database file on one drive and the transaction log on the other and copy backups to both disks. In the event of failure of the C drive, or some other software issue crashing the database you can still recover to the last commited transaction. Failure on the D drive limits you to the last transaction log backup (Oracle used to allow you to mirror the transaction log from the database, which again would completely cover you, but I don't think this facility exists in SQL Server)
If you are looking for a scheduler for SQL Server Express (which doesn't come with one) then I've been using SQLScheduler quite happily without problems, and it's free.