A bit late, but for Windows I would recommend a drive for the operating system, and a separate drive for data, photos etc. To address the various disaster scenarios you need storage that can normally be kept disconnected (eg USB memory with ideally 3 drives cycled round). This covers hardware failure, corrupted files, deleting things in error, viruses, malware encryption and so on provided you are diligent and reasonably alert. Beware RAID controllers that tie the drives to them, so that a failed controller locks you out.
The separate OS drive (eg a 250GB SSD, less than £30) can get by with less secure provision since you can always reinstall everything, though restoring a backup image is much more convenient. Macrium, Aoemi backupper and others have free editions, and take only minutes to make an image of the (data free) OS. With cunning you can restore such an OS image to a new drive. Recent processor/motherboards have a unique identifier that is registered by Microsoft, and the re-installation should be automatically validated.
For the data, Free File Sync is an excellent utility. It only writes changes so typically will sync tens of gigabytes in a minute or two. It copes with complex re-arrangement of folders seamlessly.
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