I will elaborate a bit more. You've taken the time to have this macOS set up configured exactly to your liking. All of these apps have settings and application data. Sometimes the application data and settings are synchronized in the cloud and sometimes they aren't. Maybe you use an app like Notes which has application data (your notes) that is synced to iCloud but application settings which reside somewhere on the computer locally. How do you handle situations like this? Do your back up solutions essentially allow you to back up the complete state of your computer so that if something happens you can restore it back to to the exact state you left it? What about upgrading macOS versions?

This is a puzzle I've struggled with both on macOS and iOS.