Oh, I don't know.
I consider myself quite serious about backing up, and have no need for most of the features listed when dealing with personal computers in a home or small business setting.
When possible, no matter where the setting, I far, far prefer to take full system image backups more frequently than doing incremental/differential backups. It's far faster to restore from an atomic full system image backup than using one as a baseline paired with multiple incremental/differential backups taken afterward. It takes about 2 hours, at most, on any of my systems to take a full system image backup, so kicking one off before going to bed for the night is a simple matter. In offices it's often possible to kick one off during the day, with a low priority assigned to that task, and continue about your business.
I don't ever use encryption when not absolutely necessary, and I cannot conceive of why it would be necessary on a backup where you have complete control over the physical medium.
Given how cheap, and huge, backup HDDs are these days, I haven't needed or wanted splitting/spanning in years.
If one really wants file/folder exclusion for user data, then configuring Windows such that the user data is on a separate partition/logical drive is how I go about that (and I haven't done so in some years now, because it makes restoring more of a chore, and storage is now cheap and plentiful).
To me, serious about backing up means setting up a cyclic protocol for taking a backup, with off-cycle exceptions for instances where either much larger than typical amounts of user data are created in a very short period of time or where a lot of software is installed or system reconfiguration done that you wouldn't want to have to do again, then following it.
The problem with backups is that far too many just don't take 'em at all. If you take 'em, and do so regularly, no matter how you do it you're in a position that's vastly superior to those who don't.