System Restore is quite benign (you only lose Programs installed since the Restore Point was created). It can also be Undone.
Press Win + R and type rstrui.exe
Right-click Start Button and select Command Prompt (Admin). Type sfc /scannow
Backup your emails if on the computer and Browser Profiles
A System Refresh keeps all your files and folders, but wipes all Programs.
However you could try creating a Custom Refresh Image first.
It might fix the settings while keeping Programs.
If it doesn't, delete the Custom Refresh Image and repeat the Refresh.
Final resort is backup everything and do a Reset.
Files, folders and Programs will be wiped.
You have of course made a Recovery USB in case anything locks up halfway through?