Anything automatic is highly vulnerable. The concept of just pushing a button and getting everything done is like, having your dog or cat live forever - won't work, simply.
Windows backups are, as such, sure and safe. But then, not.
Mike H. gives, in my opinion, some good advice. You need to have important info saved in as many places as possible, not quite agreeing with his statement "In case your house burns down", we wouldn't want that, would we? Of course, what we don't want, may still happen. Bingo.
Basically, I would recommend what I constantly recommend, have your personal files in a separate partition, not in the C of Windows. It's inevitable that you need to re-install or upgrade Windows and, the true way to do it is to get rid of it all, and make a clean install. Having your personal files in a separate partition, or another disk, means, they won't be affected. It's like having your underpants in one drawer, it burns, but your socks will not be affected, as they were in another drawer.
Did I go tasteless?