If you don't have a SSD, get one.

That sounds like you either have terrible luck or your power source is overvolting the SATA line.

Maybe.. the 3rd drive (OCZ) has lasted around 4 months now though with the same setup.

Don't get me wrong, I love SSD.. I shits all over both my old WD Raptor and 15k SCSI drive. I just make sure I don't put anything on it I want to keep and I have a backup computer ready to go at a moments notice..
 


SSDs also have a maximum number of times each block can be written to, so you need to watch for that. Drive health with SSDs is an issue for boot drives since virtual memory does a lot of writes.

I'm using Linux with more than enough RAM and no swap, so it's not a problem. I think my drive said it's write life was rated at 136 years of use at 10GB of writes per day, which is a LOT more than I do in a day. The old generation of drives were not nearly that good.
 
It's worth stating that if you have lots of memory + a SSD + another hard drive you can basically turn off your windows swap file. This prevents a lot of the over-writing that happens a lot.

I haven't had the swap file on Win 7 turned on since I put this drive in - 16gb RAM and rarely more than 25% is used.