You may have W10 on bootable USB drive but that's only for repairs and clean installation, that will not bring you back your programs and personal files if you have to use it.
Best way would be to make periodical full system backups with a program like Macrium Reflect free. In a case of disaster like HDD failing or bad irreparable corruption you could use that backup to restore system (together with everything on disk) in 15 minutes. It would also let you reinstall system in case of disk change. It would be in same state as when backup was made.