Mirshel its been some time, but i thought it worth posting still in case others are wondering what options are there., as not sure if OneDrive is capable of backing up your computer in case of computer failure, even now.
Just about any disaster recovery option takes some time to setup, so this is something to factor in so that it can "save your (pc's) bacon" later on.
You can create System Restore points and can look into how to set the Recovery options on the pc, This can work well if windows gets itself in a pickle. Not sure how it works if the problem is a HDD failure but do also have a look into the "Recovery Drive" windows app:
https://support.microsoft.com/en-us/windows/create-a-recovery-drive-abb4691b-5324-6d4a-8766-73fab304c246
I will admit i have not tried this latest offering as past experience taught me not to rely on these built-in tools and i opted for disaster recovery software.
If you can spend a few more bob, opt for a dedicated disaster recovery tool.
Acronis isn't really that expensive but depending on your internet connection upload speed (and i'd recommend wired not wireless) you do spend a few hours (likely a weekend) uploading "an image" of your computer, and you have to create a recovery USB to download the image from the cloud as preparation but once its done, you don't have to worry about it. It then periodically backs up incrementally.
The last time i had to use it was to upgrade from HDD to SSD and it did the job just fine.
Businesses do opt for more robust tools, some use MEMC, but reading your post made me think you were talking about your private pc.
Again, i know i'm a bit late to the post, but just in case others get here looking for the same kind of help, just know all these work retrospectively; if you haven't laid in the groundwork earlier and you need need to recover your pc from a major crash your options are limited; you may be able to take the drive out and plug into another computer and try recover software but that may just get some of the files back not the entire system.. HOWEVER, it is very much worth checking out that option before fully giving up.