These are those last resort things simply because they do cause you to loose some stuff, in the case of Reset, you loose everything and start from scratch. For refresh you loose those apps you installed from the desktop.
IMO the gold standard for System Recovery is Imaging! An image includes everything on your PC at the time the Image is created, EVERYTHING! It takes from 10 to 30 minutes (depending on your PC and Imaging app) to restore your PC to the exact time the Image was created.
I create a new Image after each patch Tuesday so my Images are always up to date.