Don't be overconfident. I never do such things either but was hit with ransomeware in December. Lost all my photos of our mother/daughter trip to Ireland that we'd waited for since my daughter was a little girl. Now I back up with iDrive every night.
We have a lot of photos that are backed up on Picasa and CD for our older pictures and iCloud and CD for newer ones. The CD has been our fail safe.
Of course I’ve printed out the better ones over the years. Other than that, there is very little that I haven’t got hard copy filed away. Being retired, there’s not much there. However I don’t want to undergo the hassle again (I had a nasty dos virus back in my PC days some ten years ago.
That doesn’t make sense to me. What were you doing when it happened. Did you allow the internet to install something to your system by entering your admin password?
Now I have seen the Safari malware that acts like ransomware, but it doesn’t actually destroy anything. It prevents you from leaving the page (even if you restart Safari), and warns you to call a number to get it removed. Reset Safari by holding SHIFT while starting it, and it won’t reopen that site.