Yes it does help Alistair and thanks for taking the time to do so.
At the moment I use a portable HDD and windows back up - just did it this morning as it happens. Plus there are key documents in the cloud. What I have never found out how to do is to create a mirror to allow me to replace a failed PC more easily. I dont know how important it is TBH since I never buy a PC without getting a systems disk so if the PC goes t*ts up, it may take me a while to re-install aoftware but I have it available on DVD, and I have data available from my backup. Does that make sense for a retired individual with just bank accounts and brokers etc to worry about?
Does that help ?
As for backup you may wish to look at MS Windows Storage Spaces function as this allows replication of content to physically different devices including across a LAN I believe. If you have anoth disc that is mountable on a home server or second PC in the house then this can be used.
https://www.howtogeek.com/109380/how-to-use-windows-8s-storage-spaces-to-mirror-combine-drives/ Sorry if I have over complicated things for those of you who simply browse the interwobble, you are right there is little value (until it is stolen and all the passwords you saved in the browser are found and used to mess your life up) Do check to see if your home insurance has identity theft included.