Long ago I started to consider the contents of the PC to be ‘disposable’. What I focus on is having the documents directories synchronized with a service that holds multiple versions (such as OneDrive or similar). This way I have a constant backup with multiple versions available if I need to go backward for some reason. For my photos, I have a more extreme version, where that is stored on 4 different services, along with a couple of versions in the house. Backblaze has this as an option as well.
The old days of being concerned with restoring your PC back to a specific state really isn’t important, now that we load so few pieces of individual software.
This started because, as part of my work at Microsoft, I was changing PCs about once every two weeks. After that, I started to recognize what I needed to be concerned about, rather than having a full system backup.