And we know that all PCs in the past and present require us to backup what we can't lose.

System Restore was one safety net but you write it's off. Why remove those safety features?

OK, one last thing. Backup your files with other OSes like I noted over a decade ago. Use newer versions then I noted at

Now you can try Windows 10 refresh and if need be a full reset. Also, tell us why system restore is off.