While that's good to know, none of that applies to my situation.
I actually forgot about issues with backing and and recovering since backing data up has become irrelevant to me. I used to use Veritas System Recovery and had full backups scheduled for every Sunday and library folders backed up every Wednesday in addition to that with 4 week retention to my NAS. Since Veritas can't back up ReFS formatted drives (or at least version 21 didn't support it), I never bothered to put it on my laptop or any other computer for that matter after my last round of clean installs. I don't have much data, therefore there is nothing to backup/recover.
I don't use Dropbox or any other 'cloud' solution, never have never will. And there is nothing I have that if lost would be devastating. Mildly inconvenient yes, devastating, no. My digital music collection is the only thing that comes to mine since I buy music on an a la cart song by song basis (don't believe in streaming) and the vast majority of the music I bought is from Google Play Music which Google abandoned last year like they do so many things and purchased music can't be redownloaded anymore. And I have 6 copies of my entire music library, NAS, laptop, desktop, phone, flash drive in car, external SSD at work.
So yes, while that is a valid concern for a lot of people, that really doesn't impact me.
As for file encryption, with what little data I have stored, if you want it, you can have it. I have nothing at all on any drive that contains any personal, confidential or proprietary information.