Ron,
Retrospect is a fine program once you know how to handle it. It is certainly not overkill if you want to have a real backup of your files and not just a simple copy of them. Since it came with your harddrive for free, why not try to adapt it?!
Imagine you have edited an image in PS and saved the result. During the night you did a backup with Retrospect.
The next day you accidently delete the image file without noticing it. The following night, you do another automated backup with Retrospect.
On the third day, you realize that you have deleted the file. With Retrospect, you can go back to the state of day one and recover the file from a previous backup.
With a simple copy of your files and folders to a second harddrive, the deleted file is (most certainly) permanently lost because you only mirror the contents of the original harddrive.
In my first answer to your post, I was assuming you were on a Mac, hence the recommendations for SuperDuper and ChronoSync. Of course, Retrospect also runs on Windows and there are similar solutions for making simple copies of your files and folders in an automated way like Second Copy, or a handmade batch program.
Hope this helps,
Andrew