I do it several ways. I do what Mikeymikec does, so my Quicken accounting does regular auto backups to my server, which can be restored. I keep my document archive on my server. All the server files of this nature have "folder duplication" within the Stablebit drive pool. The server also backs those files up automatically by Syncback SE. All the Windows 7 systems -- there are still three because my family is a bit backwards and slow -- automatically backed up in their entirety to the server.
My "masterpiece" system with Windows 10 has a regular daily backup using Macrium Reflect Workstation version. The difference between "Home" and "Workstation is so small that it isn't worth paying the extra $20 for the latter. Macrium "free" lets you do all but incremental backups -- I think.
It's a great program, because you can clone disks, fix dual-boot problems if you have any, or just fix a Windows installation which has developed boot problems originating with disk organization and other factors.
Here's the Big Caveat. Look at all the ways I've got fallbacks for data, including file and folder duplication on my server. the server had come in handy about three times over the last several years to restore Windows 7 systems, and it's very easy. You go to the server, make a USB thumb drive recovery disk for a particular computer, go to that computer, run the recovery and go out on the server to retrieve the disk images -- selectively or automatically.
But on my "masterpiece" system, my Windows 2012 server doesn't make backups for Windows 10 (the reason I was using Macrium for backup), and Macrium has been upgraded to version 7 since I started using it. I've followed all the upgrades on the boot drive, but the last time I made a rescue disc I was still using version 6. And since I'm in the middle of a motherboard change -- there's always uncertainty about disk and drive organization if you have to reset CMOS -- I'd wish to have an updated rescue disc. Even so, I can download the "free" version and create a rescue disc, but without the proper hardware drivers.
Certainly, a lot of things which I won't lose on the "masterpiece" are on other drives as opposed to the boot NVME. A lot of my software installation files are there, and I would just need to put the drive in a USB or eSATA device and grab the files. BUT -- I forgot to back up my MS Office Outlook files to the server, and I can't remember whether the current *.PST file is -- on the boot drive or a secondary drive.
So -- resurrecting the motherboard -- the NVME boot drive must remain intact. I have to resurrect the OS installation with the new hardware changes.
And this is another reason I was a bit stupid. I should've at least scheduled weekly differential Macrium backups to my server drive pool, even with the daily backups to a local disk -- my current practice. It does that stuff quite easily. I might even have had the server drive pool store the backups in duplication. What else would you do with 12TB of drive-pool space with only about 30% used?
What I DON'T LIKE -- and indications on recent forum posts suggest why -- are the continued changes to Windows 10, application software obsolescence with no alternative replacements -- things like that. Life at age 73+ should have reliable routine, and limited changes. I don't have the energy and time to keep up with such changes, and I don't like unpleasant surprises, stressful crises that need time and attention, or anything else that takes away my time from "eldercare", car repair, and all the damn chores and disciplines with Pandemic Constraints.