Hello Sir/Mam,
I honestly would like make you familiar with Windows 10. It has built-in functionality Windows Defender to protect operating systems from viruses and malware.
But, In case of other vulnerabilities like os crash, their you will be needed to retrieve your data, if you back up your data on cloud, it would be great. You can buy cloud storage and can save your backed up files their.
And in case, unfortunately anyhow you didn't backup your data and os crashes, then you need to retrieve data throgh software from hard disk and restore your operating system and data, i can help you in this case.