I make a full+incremental system disk backup periodically, e.g. once a quarter or two, or when I feel that a set of software that I'm going to install could do something bad, or after big changes which are undesirable to lose in case of failure. It doesn't save everything (important data is in git remotes anyway), but saves me from a reinstall-download-setup-reconfigure hassle. A user folder has a separate automatic and more frequent schedule.

That said, my home PC works since 2018 (buy date) and one at work since around 2016. Only used these backups once to move OS to a new SSD.

Most failures happen when you have no backups, so have at least one to make your system failsafe!