I use Acronis True Image to back-up to external HDD.
I have C drive which only has my OS and software, D drive which contains My Documents etc. I also have other internal HDDs for video, music and photos. Using Acronis, I make an image of my C and D drives to separate partitions on 1 ext HDD. I then have copies of my video, music and photos on 2 other ext HDDs.
This may be a bit OTT but I have never (!!!) lost any data, software or settings. There have been 2 occasions in the past few years when my C drive has gone belly-up but using the back-up image, it only takes a short time to be up and running again exactly as it was before on a new C drive.