I could never afford a floppy drive for my C64 - I was stuck with the slower-than-a-snail and less-reliable-than-British-Rail tape unit.

That tape-unit sucked big time - the error-checking in the loader code was basically to load the program once and verify it byte for byte 8 times, and fail miserably if any of the 8 verifying loads didn't match...or something like that. So each program ended up taking 9 times as long to load as was really necessary. Eventually most of the games publishers caught on to this and provided their own loaders, thank God.
Anyone here remember Wizball?