Recommended MacOS Files to backup

I’m primarily a Windows guy and have very little experience with macOS. But I do need to back up a few. I’m just looking for a file backup. I saw an article recommending the Users folder, the Library folder, and the Applications folder. So I put this in my default directories field:

/Users/;/Applications/;/Library/

Those of you that are Mac gurus…should this cover it? Am I missing anything that you would recommend backing up?