The Iomega® SuperHero™ Backup and Charger for iPhone aims to solve that problem with a dock that backs up your camera roll photos and contacts while recharging your iPhone. Keep it by your bed, and you won't forget.
The charger and accompanying backup app will be available later this month. To make photo backup part of your daily routine, you'll need to download the free SuperHero iPhone Backup app from the Apple app store, and run the app when you dock your phone. The dock and app support iPhone 3G, 3GS and 4.
For US$69.99, the Iomega SuperHero dock comes with a 4 GB SD memory card, but if you shoot a lot, or keep a year's worth of photos and videos on your camera roll like some friends I know, you can swap that out for a 16 GB or 32 GB SD card.
If your phone is lost, damaged or stolen, you should first restore your latest backup from iTunes (you are backing up at least occasionally, aren't you?), then restore last night's backup of contacts and photos from the dock. The dock doesn't back up email or apps, but your email is on your email server and you can re-download apps from the App Store, so those aren't as critical as your once-in-a-lifetime photo ops.
To get notified when the dock is available, sign up at the Iomega SuperHero product page, and while you're waiting, head on over to Engadget to watch Iomega's video ad reminding you just how many moments can lead to needing this dock.