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Home Premium does have System Restore. It does not have the "complete PC backup/restore" function (similar to Norton Ghost) that comes with Business/Ultimate. The difference is that complete PC backup/restore makes an image of your entire drive and can bring you back from a complete system failure. System restore can only fix some OS related problems (not a hard drive failure, etc).
All versions of Vista can act as Remote Desktop *clients* (i.e. connecting to other PCs via Remote Desktop). However, you can not connect *to* a Home Premium machine with remote desktop. You need Business or Ultimate to be able to allow incoming Remote Desktop connections.
Hope that helps more than confuses
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