It depends on the mode of operation. With counter mode, predictable IV's are fine. Of course, a collision in file hashes would result in easy plain-text recovery.
It's probably better to fill the high order 64-bits with the number of microseconds since the unix epoc, pad the rest of the 64-bits with random numbers and the use the low order 64-bits as the counter. It'd be pretty hard tofor IVs to collide in that set-up if encrypting stuff on a local PC.
With CBC they really need to be randomly selected. Predictable CBC IVs can lead to attacks, as BEAST demonstrated.