1) Filesystems actually get a performance BENEFIT from mild fragmentation. 10-20% is actually prefered in many situations to 0%. 15% is considered a sweet spot. lrn2/diskgeometry/
2) Modern filesystems (e.g. anything in use today besides FAT and NTFS) handle fragmentation intelligently. Besides being able to PLAN where to put chunks, they can defrag files on the fly. Mild fragmentation is a nonissue and will work itself out "naturally". A modern filesystem (again, basically anything but FAT and NTFS, ext3 included) should NOT be defragmented manually.
>>10
3) You must be one of the morons that fail to utilize their resources efficiently.
For the record, my /home filesystem is a 2TB XFS RAID. It currently has *17MB* free and has been at less than 5GB for almost two months now (four more disks are in the mail, though :D). Fragmentation is only at 12%.