That is not true. Your wallet.dat doesn't contain your money, the blockchain does. Your wallet.dat just contains the keys to validate that you can spend the money that exists in the blockchain.
If you restore your wallet.dat and let it catch up to the current blockchain, you will still have all your money, unless you really spent it.
edit: Ok, I guess I am mistaken - I see now how this happened with a really old version of the client. Newer versions of the client pre-generate several addresses in your wallet.dat, so even if you only restored an old version of wallet.dat, you would still have access to any money that is in the blockchain that you spent in the recent past. Of course, you should never let your wallet.dat fall too far behind.
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That is not true. Your wallet.dat doesn't contain your money, the blockchain does. Your wallet.dat just contains the keys to validate that you can spend the money that exists in the blockchain.
If you restore your wallet.dat and let it catch up to the current blockchain, you will still have all your money, unless you really spent it.
edit: Ok, I guess I am mistaken - I see now how this happened with a really old version of the client. Newer versions of the client pre-generate several addresses in your wallet.dat, so even if you only restored an old version of wallet.dat, you would still have access to any money that is in the blockchain that you spent in the recent past. Of course, you should never let your wallet.dat fall too far behind.