What happens when your hard disk crashes but you have your private key written down somewhere? Will you be able to access your XC once you import it?
Correct
Oke, so I don't have to worry about losing my XC as long as I have my private key, right?
If you BU your wallet.dat your fine too... as long as you do it each time you make a new addy and deposit money onto that new addy. If you have one or both your coins are always safe.