Make regular whole-disk images, and backup your data to multiple places. Problem solved. Catch "ransomware?" Reimage the drive to last known-good image, and get your data from the multiple backups. Backing up to media that's not changeable after writing (e.g. DVD-R, DVD+R) is even better, since the malware can't erase those backups, even if they're inserted into the drive while the malware is active!
Comodo Time Machine should be highly useful as the imaging solution to this. One thing though... I REALLY wish it'd include the ability to boot from a bootable "rescue environment" (on a bootable DVD or bootable USB drive) that runs on the PC's "bare metal" and can restore images without needing Windows at all. Without a "bare-metal bootable" recovery environment, CTM sounds like it'd be useless in any situation where Windows no longer boots, which is LOTS of situations.
DriveImage, Ghost, Acronis, etc. all have "bare metal" bootable recovery environments (on floppy, bootable CD, bootable USB, etc.). I sure hope CTM will have that ability too, otherwise you'd better hope that Windows still works if you need to restore your drive!