My take, image backup is rollback remidiation against software bugs. Data backup is my protection against phisical damage (hardware failure, PC theft, house on fire, water damage, after all half of the Netherlands is below sea level). I never considered it protection.
This is why I use online image and quick data backup (local, not cloud) and have an off line backup in our runaway bag of our personal data (some documents, but mistly hokiday pictures and mivies).
I think my desktop and my wife's laptop protection is so strong it can't be bypassed with common malware (and I can't imagine to be ever attacked by professional hackers).
My biggest worry was our (Samsung) mobile phones, which we used often for 3 years. Luckily my A53 and my wife's A54 should get 4 years of updates, so that aspect is covered.
I backup data of all devices (phones included) twice a year to a USB drive. On top of that I copy important data to OneDrive (like invoices of costly stuff, insurance policies, copies of contracts and certificates) and important mails to a gmail account I have for that purpose only). We have stripped phone apps from all unnessecary permissions and reduced background and internet activity so much that I have 4 days battery life on my A53 and my wife 3 days on her A54.
