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Julia Lerman explains why you need one for Windows. If my laptop did this while I was traveling, I'd be dead:

I just went through a nerve-wracking few hours after doing the latest Windows Update. After rebooting, well, attempting to reboot, all I got was a message that said "NTLDR Missing, Press CTRL-ALT-DEL".

After some digging (and being thankful to have the calm Don Kiely here) it seems that because of a large pile of tmp files on my c: drive, it created a problem for the NTLDR file (NT Loader) that was exacerbated%A0(look it up) by the update.