Unfortunately I've had my devotion and loyalty burned many a time in business too. But then while some people might respect those traits (a lot, in my case), unfortunately business doesn't (and cannot).
We're all in the same boat mate - so I have to do what's right for the busines first as a priority, then overlay that with my own values. Not the other way around. That way I don't feel so bad when something pisses me off personally because the business survives regardless.
Anyway, you discussed backup plans/products etc. some time ago (http://www.codestore.net/store.nsf/unid/BLOG-20060906?OpenDocument) and it's a path I'd strongly recommend. There's never a right or wrong time to start - other than straightaway :)