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I think the main thing is for you to try doing a test restore of your data before you need to (and you already have a local backup anyway if your test goes wrong)
That will give you a better understanding of the whole process - they might be 100% reliable in storing data which is totally unusable by you because you’ve lost your decryption key, weren’t backing it up correctly, etc (for example).
Also setup a bootable USB stick with a backup program like clonezilla to do full machine backups.
You’ll get the hang of OS vs data backups later, but for now, do a full backup, play around installing / removing stuff and if you break it, you’re back in business in no time