Im a bit reckless myself (sure some may even call me a fool) But I don't do disk images anymore.
I used to But it was useless for me as I have gone almost 10 years without a problem.
At one point I had 2 PC (DAW And a Surfer) with a mouse keyboard box (KVM Switch) but that got old.
Because sometimes I had focus problems when switching from PC number 1 to PC number 2.
So about 2 years ago I decided to only back up Projects only. I don't frequent unfamiliar sites, always have my Anti Virus up to date and just take caution. I am aware that not matter how safe you are there is always a risk.
However there are ways to decrease your chances of an attack.
-Don't open attachments you are not sure about.
-Don't click on links sent you in emails (unless you know exactly who they are) Some links, using prefixes and familiar name beginnings. Example: FaceBooks com. Attackers are getting smarter by the minute.
-Don't ever download something you are not sure about.