I would say it certainly sounds like you could have a drive that has all but failed. I would at least try the refresh and restore first, because you may get lucky, but plan on the idea that you'll be replacing the HDD.
If you do a refresh it will wipe out any programs that didn't come from the Windows store app, but should retain your data. A restore will wipe out everything and start completely fresh. So start with the refresh, if that doesn't help, give the restore a try... If still no luck, you've likely got a failed drive, but at least you were one of the smart ones who backed everything up.
my computer has suddenly starting acting up:- I cannot enter my password due to no response via the keyboard I am using a MS Comfort 500 keyboard & mouse but this isn't the main problem as if I can open up the computer (and I can now and then) the cursor is very jerky and unresponsive, but now things have got a whole lot worse the computer is starting up in repair mode (didn't know this existed) but cannot repair itself so gives me the options of refreshing or resetting, now resetting seems a bit drastic as although I have my files on external discs and in the cloud I have never done a restore point and it seems as though a disc my have failed but as I cannot get into the computer I have no way of doing any other checks it could have been a virus that caused the problem, wish I had created restore point, if I do a reset I will loose all the programs on the c drive, has anybody any suggestions?

Chowhound
Comic Vine
GameFAQs
GameSpot
Giant Bomb
TechRepublic