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Good ATI 2013 General Strategy for Home/Small Office User?

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I have ATI 2013 and have used TI since 2009. I wonder if others think the following is a good general strategy for the home/small office TI user who works mostly with MS Office and the net, with hardly any other programs ever being used:
#1. Create frequent File Backups of docs, pics, browser favs, and email data to prepare for hardware failure. The data can be loaded into a specially created new folder in a new computer and then pasted or imported into the proper data locations in the new computer. This assumes the new computer has the application programs reinstalled after purchase.
#2. Create less frequent full disc images to be restored to the same computer in case of severe malware disruptions of software. Restore the disc image, and then add the more recent File backup to make the data complete.
Comments: This approach is not best for everyone, but it looks like it would be best for a lot of small-scale users like myself. I would not need ATI 2014 Premium because I would not want to restore the old operating system over a new one. A small disadvantage of this strategy is loss of some data in the User File but not in docs or pics or emails or favs. Software preferences would have to be reset. But frequent full image backups would not be needed, which saves time and trouble. A computer store had me doing only full backups, which seems just wrong because hardware failure cannot be addressed easily, as it can with the above method. It seems like small users need both kinds of backups for the two types of loss: Software failure as from malware, and catastrophic hardware failure and computer demise.

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I agree with you. I like having more options when it comes to backup and restore.

I do both True Image disk/system backups and file-based backups in Robocopy. Both types of backups are made to two external USB HD, which I use in rotation. Where my data are concerned, I like the security of belt and suspenders. :)

You can also use the "files backup" special categories option to create your own specal category for special files or folders you want to include in your files backup.

When doing your full backup of everything, use the procedure as outlined in link 2 below in the very first picture.
One benefit in a current full disk backup is that you can quickly recover to a new disk if your problems happens to be a failed system disk.