Stuartli, on a Windows PC what you suggest is the way I'd go. On standby, if you lose power you then lose anything that's open. Not a good idea.
On a Mac, the default on laptops is to sleep which will go into 'standby' and also save a copy of memory to disk (the machine stays awake long enough to do this after the screen goes off). If power is lost it will resume from the state saved to disk but otherwise it's like a PC in standby.
On a desktop Mac this is not the default method for going to sleep (laptops have batteries) but I turned this on for my iMac and so I benefit from it. Normally it goes to sleep but if I unplug it when sleeping it will resume by restoring the system state from disk.
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