If I understand correctly, you have a laptop currently, and you store your files and pictures on it. If that is correct, I understand your fear. If that laptop fails, all the files will be lost.
You must then transfer those files to a new computer or figure out some other way to store them.
There are 2 basic ways to alleviate that fear of the hassle of transferring or of losing the files. You can get an external hard drive, or you can get online storage, also called cloud storage.
An external hard drive from what I understand is simple. It comes with instructions. You plug it into your laptop and follow the instructions to transfer everything to it. I’ve never used one, so I don’t know the steps you must take to work on a file stored on an external hard drive. I’m sure it comes with instructions.
I prefer to use cloud storage. There are many services who will store your files on their multiple computers to keep it safe for you, but you must pay them a small fee.
I have an annual subscription to Microsoft Office, and it includes free cloud storage, so I use that. You can buy storage from Google for a few dollars a month.
Using your internet connection, you follow the instructions from the cloud storage provider and transfer all your files to their computers. Later when you want to access a file, you open the app for the cloud storage, work on the file, save the changes, and then close the app. The file is always safe on their computers.
The advantage of cloud storage is that you can access your files from any device with an internet connection. I can see my files from my laptop, my tablet, and my smartphone.
For you, I think an external hard drive might be simplest. You buy it once, and you’re done. There are no monthly fees. I’m on a mobile device, so I can’t link to an example of an external hard drive. I suggest you go to Best Buy and ask someone to show them to you. They’ll be happy to help. You can also do a Google search for them.
Good luck.