If your data is this valuable, you certainly do backups? I suppose something like cloud backups is now built-in into windows, and would save your Documents (and maybe more) also by default.
We're talking about ordinary people here. Their data is valuable to them because it's their pictures of their grandkids and their draft of the Great American Novel and their recipe collection. They're not backing it up themselves, they don't even know how.
But it's also their copy of all their bank statements that include their routing number, which nobody who is physically in their house is going to use against them but is a serious fraud risk if it can be accessed remotely on some cloud.
Windows backups are subpoenable by half the governments on the planet, who have bad actors in them, and may also have exploits for dedicated attackers because they present a huge target.
I hate this. People are claiming "state-level" actors are all the same. Microsoft backups are subpoenable by local cops, hell, by your ex-wife in a divorce proceeding in some jurisdictions.
Yes, if the NSA has a decent reason to think you're going to nuke a sports game you'll still have a problem with very, very good security measures.
That doesn't mean there isn't a very large in-between zone where you're fine with better security measures.
But it's also their copy of all their bank statements that include their routing number, which nobody who is physically in their house is going to use against them but is a serious fraud risk if it can be accessed remotely on some cloud.