This is vexed question at the moment for me anyway. First of all you need to back up all your personal files. I wouldn't worry too much about the programs and operating system as those will be available either as downloads or as CDs/DVDs if you have purchased the program.
Now on to why this a problem. You say that you are going to use the MS backup feature. I assume that this is the one included in Windows 10, although you do not say what operating system you are using. Anyway if it is the Windows 10 backup and recovery system you are going to use be very careful. I have yet to make this work. I haven't posted this on here because I have asked this question on other forums and I am getting wildly conflicting answers. What I can categorically state is that the Windows 10 Backup and Recovery system has not worked for me and I have tried it on three different computers.
What does work is Macrium Relect that will clone your present hard drive to another, bigger hard drive but that isn't really a backup. Paragon backup tools are also good and they are both free programs..
Macrium Reflect Free
I would also suggest that you download the Microsoft ISO to make a USB flash drive Windows 10 reinstallation drive. This will install a clean copy of Windows 10 on to your computer so you MUST ensure that your personal files are backed up to somwewhere else BEFORE you use this flash drive.
Hope that helps. Hopefully someone will come on here and tell me and you how to make a complete backup of Windows 10 plus all our personal files and programs so that I can just copy everything back when and if my hard drive fails. When you make a backup disk using the Microsoft backup and recovery feature it tells you to use a USB drive that is at least 32 Gb. I have a couple of terrabytes of data on my hard drive, it is a 3 Tb hard drive. There is no way in the world will that lot go onto a 32Gb drive. As I say the best way I have found so far that works is to clone my existing hard drive to another hard drive and keep that hard drive as a back up. Unfortunately, for me, that clone takes a whole day.
Oh sorry just seen your thread title. It is Windows 10.