Angels have the Phone Box
That's basically what I use. But I have redundant backups, and even if I get hit, I have regular backups that are not connected to the system, so they won't be encrypted. (Because if I ever got hit with a ransomware, I would be restoring from backups.) But this requires the user to manage backups regularly. Sometimes, depending on what you are hit with, your paid program company can help you recover (if possible). For example, with a backup program like Crashplan, which does file versioning, they assist their customers with file recovery. Another example is Macrium Reflect (free or paid). Making regular images of your hard drive and keeping those images offline makes system restoration quite painless.
How far you want to take your protection depends on your "computer savviness", your computer usage and the safety net(s) you have in place. Best practise is 3-2-1: Three rotating backups, two on-site and one off-site. If you can depend on yourself to maintain redundant backups with at least one set offline at any given time, then the above should be fine. Unfortunately, most average users don't maintain regular backups. Users who regularly visit questionable sites, do a lot of torrenting, tend to open emails and attachments that are questionable, etc., might be best off with something like HitmanPro.Alert or the paid version of MBAM when they finally incorporate the anti-ransomware (MBARW) feature.
Hope that helps!