some ransomware will encript your personal files, so you can't open them
usually if you format hard disk, you should be able to start from clean, but you will loose your files
i havent seen a tool to lock a bios
could theoretically try to wipe any password put on the bios but i don't know if can do any harm, modification to the bios, i would say that it is doable but too complex, too hard to really do it
format hard disk and you should be fine, if you have doubts, update bios on the pc before reinstalling windows and keep a good antivirus