Damn, you fools are making a ruckus out of nothing.
Unplugging the power cord when the computer is on is EXACTLY the same as if you turned off the master power switch on a surge suppressor OR when there's a power outage OR when the circuit breaker cuts in....
IT WILL NOT HARM YOUR COMPUTER DAMIT!!!!
BTW if you're afraid of pulling the plug while in POST, then use a friggen DOS BOOT FLOPPY!!!!!
Friggen morons!!!
PS regarding the HDD, well like someone already said all HDD have a autopark feature, however, if you're really paranoid then go into the BIOS and turn on the HDD power down option and set it to 1 minute then boot into DOS and just let it sit there until the HDD powers down then pull then plug.
The other way to discharge the HV caps is to use a ceramic resistor...
Reasons to use a resistor and not a screwdriver to discharge capacitors:
1. It will not destroy screwdrivers and capacitor terminals.
2. It will not damage the capacitor (due to the current pulse).
3. It will reduce your spouse's stress level in not having to hear those
scary snaps and crackles.