Everything on my unrooted 10+ is backed up to the SD card which I use as a data drive and store all critical data there. The SD card is backed up to the PC data drive and a seperate hdd stored remotely. Critical bookmarks are saved on Colornote which is 3X backup.
Smartswitch is used for some backup and apps like Poweramp have their own backup files.
All apks and updates are backed up with ApkExport as well; no Playstore or cloud crap needed for a full restore. I can do a full restore with no external sources needed.
After 2 forced reloads I streamlined the process... with over 349 gb of data, the data drive saves hours of uploading from the PC.
Implement a complete plan now before you need it and have triple redundancy in place.
Only two types of data users; those who have lost data and those that will.
Crashes both software/hardware caused are mostly unpredictable and can happen at any moment.
The 10+ is rock solid stable but no OS is completely impervious to poorly written apks and malware. Be prepared... or suffer.