This is an interesting idea, but I'm not sure that it's a feasible idea.
Seems like major modifications would have to be made to each camera so that it could read from a hard drive. So few people use PHDs that I doubt manufacturers would bother installing this feature into their cameras.
Additionally, the rate of loosing pictures from bad downloads to PHDs seems quite low. I'd say that the best (cheapest) solution - one cheapskate to another - is, if you are very concerned about PHD failure, carry two. Double store your images.
On a long trip stop every few weeks and get some backup CDs made and send a set set home. Sort of a 'belt and suspenders' approach.