I use an application called “Backblaze” which backs up my entire computer in the background. Its cheap, backs up everything and has a restoration service that you can;

1: re-download a drive (literally in its entirety)
2: request a hard drive of your backup be shipped to you. You pay up front for the drive and can either keep it or ship it back for a FULL refund once you transfer your files back over.

I have done the hard drive request twice in the last five years when i have had drives die, its L.E.G.I.T.