If I knew a way to backup my phone where I didn't have to do any extra work (e.g. Log in to all apps again etc) I would consider it but it just seems like a ton of work, unless you (or somebody else reading this) knows of a backup software that does this.
You can use SwiftBackup.
Most apps will just work as if nothing happened after restoring. Of course, creating widgets again or reconnection for bank accounts will be necessary, but that's the cost of security.
After all, it's much less work than you imagine and most of the time it's worth it