Does anyone one know how effective the ransomware protection feature is on Windows 10?
As with anything else in this area of concern, it depends upon how frequently this protection is upgraded as the SCUM find vulnerabilities. I'd rather use it AND make regular generational disk images on external media. The more proactive YOU are in your protection scheme, the more likelihood for a good outcome!
An external HD Dock can cost less than $40 and the naked HDs (1 TB) are about the same.