The most common ways to get infected by ransomware or wiper malware is via downloading malicious files. The simplest way to mitigate the risk is to download the software you use from a trusted party.
In case something does happen, you should also have a copy of your files on a physical hard disk, that you plug into your pc only when you want to make backups. That way if something bad does happen, the damage is minimal and your data can easily be recovered.
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