OAndBackupX for app and app-data backup, OrangeFox for boot and data partition backup.
AFAIK full nandroid backup isn't supported (yet) because of the dynamic super-partition, see here:
[GUIDE] Backup / Restore function in Poco X3 recoveries [OrangeFOX / TWRP]
OAndBackupX requires Root Access in order to backup individual apps and their data. Right now, I have ArrowOS GAPPS Build without Root Access installed. This option was chosen as I'm frequently using my local banking apps these days and I used to have trouble with Rooted ROMs in the past.
What would be my best option here as I want to backup my apps in the event of a clean install in the future? Would unrooting the phone prevent me from accessing my local banking apps? I cannot afford to lose access as this is really important to me. Please advise.