OK. Let me know when you've got it back. I may edit info into my last post or two. Particularly, I want you to know how to make a system image. Also, you need to understand there are two ways to do a reset - one of them keeps your personal info & settings while still re-installing Win 10. It's the other one that wipes everything.
Finally, consider the purchase of a 2 TB external hard drive. Maybe your niece should buy it for you. My Seagate 2 TB Slim Red was under $100.00. This is the best place to keep a system image. Once you've got that, you may justifiably feel nearly fearless.