Hi Tom -
Alas - it gets worse. Microsoft's Backup silently stopped backing up back in February and didn't tell me, and I didn't notice. So I have maybe 100 hours of tedium ahead of me as I try to reconstruct my financial records... And the restart (3x) didn't do anything. Sigh.
When you get back to a working system checkout Macrium Reflect as a backup solution (UK Company) - there is a free version. The paid version has more functionality and worth every penny (or cent). I've been using it for years - tried all the others and its the BEST !. Gives you ransomeware protection of your backups too (paid version). Many other features. Mine runs automatically and can back up a full image of system or specific folders only. Allows for multiple backup strategies and e-mails me when a backup has successfully completed.
You cannot rely on MS for mission critical data. I hate seeing people lose their data. MS are never going to give the user what they really require - a robust secure fully functioning OS which is bulletproof. Too much emphasis on features to promote sales.