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On some of the sites I run I have a little script that checks if the banner exists for a program before displaying it - I too get hundreds of errors everyday because the tracking server is too busy to serve the banner.
I suppose you could easily write a script to test the response from the referral url as well - but I'm sure the results would be to scarry. The amount of times I have clicked on my own ads and it hasn't transfered through to the merchant is unreal.
One thing that can't be done by affiliates is test the callback page, though some networks actually do appear to have a system in place to monitor this - both POR and AF seem to be the quickest in finding when a merchant has faulty callback codes.
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