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I’ve done dozens of windows reinstalls with losing any data. why would you lose data? there’s no need to reformat. The installer deletes all the system files and the registry and reinstalls from scratch. The installs as clean as if you had reformatted, but it doesn’t delete stuff outside the Windows folder.
Your program installations are gone, but Office reinstalls in about ten minutes. Worst case, you have to copy the documents from the obsolete user folder to the new my documents folder. Five minutes.
Best case scenario, which I’ve used in all but three or four cases, you do a Repair reinstall. This works fine if a virus hasn’t hopelessly corrupted your registry. This takes about 20 minutes on a recent vintage machine. When it’s done you’re ready to go.
If Windows updates get uninstalled, the files are still downloaded. Windows update will find the downloads and install them.