I agree with all the above. May I add one other bit. Physical security is as important.
When you do backups make certain you encrypt them. If the house is broken into and the device/disc is stolen they can read everything. At that point it will make it a lot worse as you are recovering your home and your entire on-line access.
OK Alistair. Can you give me a computer idiots guide to installing / using encryption on a W10 home system please