In my view, "files all encrypted by ransomware" is a similar class of problem as fire/flood/theft/hardware failure/anything else that will make your files inaccessible. You need to make regular backups to protect yourself from all of this. In theory you should be able to smash your computer to pieces and still get all your files back from somewhere else. Then if ransomware strikes, you can just wipe your whole PC, restore your files, and carry on.