Why do you lose your programs if the mobo is fried ? I assume the hard disk contents are encrypted and the encryption key is tied to the motherboard somehow ?

Even so, unless the HDD is fried I would be mighty PO'ed if I couldn't access my content after a mobo replacement.

M60ti, VP180, QS8, M2ti, EP500, PC-Plus 20-39
M5HP, M40ti, Sierra-1
LFR1100 active, ADA1500-4 and -8