Thanks- good research. I'd always understood SR to be poorly documented.

Umm, I think we conclude that the desktop content should NOT be affected by using a restore point.

Ouch.. the specification/description has always been- and you've no doubt seen the reassuring statement at the end of restoring- that personal data has not been affected.

I can only remember using...

Create System Restore Point in Windows 10



This is dated 2015; the first half of the first sentence certainly isn't always true in my experience.

I found an MS definition, dated 2018, but...