One key is not just for factory restores, but it can do that too. It just depends on when you image the disk.
Backupper is free and geared more towards home users.
That said, you should have several backup layers to ensure you are safe. You need to remember "physical" security of your system and data. Having a backup image on an external disk is fine, but what happens if you house burns down, it blown away by a tornado, or a bad guy breaks into your home and steals your computer and your backup drive? What good is your backup then?
I use Macrium too. But I also regularly simply copy and paste my Documents folder to another computer. So if I have too, I can manually re-install Windows, Office and my other programs, and simply copy back years worth of my documents, photos, emails. etc.
I also keep a fairly current image "off-site" in my bank's safe deposit box. If you have a trusted friend, relative or neighbor, keeping a backup with them works too.
The point is have a back up plan and use it. So kudos to you for doing that. After that, it is finding a plan that works best for you.
