Re: Not having a 'Plan B' is madness
On Windows, using a disk imaging software like Acronis True Image will let you image your entire disk, fast enough to use as daily incremental backup.
And it will restore to any recent hardware! Lock stock and barrel. no need to reinstall Windows or apps. Hardware died? Drive to store, buy a desktop. Run the restore, wait, and you are back up and running exactly where you left off.
Does the Time Machine restore to any Mac? Or does it only do the exact same Mac? Does it image the entire disk with OS and apps? Or just your files?