You may have figured this out by now, but since it never got properly answered in detail, here's how I do it:
1. After your next fresh install, clone your OS drive after installing all your "must have" apps on it and setting it up how you like it. You should have all your static data (pics, vids, Steam) on separate drives/partitions
2. Use macrium reflect or another cloning tool to clone the OS drive with all your critical apps and keep the image on a backup drive
3. Ideally you'd install non "must have" apps to a separate drive (more on this later)
4. When it's time to refresh everything, back up important app data (game saves) and other files saved to the OS drive that you want to keep onto a separate disk.
5. Use macrium reflects bootable USB tool to format your OS drive and write your original cloned image to that drive.
6. When you boot in, your OS will be exactly as it was when you first cloned it. Likely, things have changed since then though, so any software folders on that secondary drive will be a good reminder of stuff you might want to reinstall as a new "critical must have app" and then clone the OS drive again for next time. Make a list of these programs you need to reinstall and format that secondary drive before reinstalling (yeah you gotta do this manually). Steam you can just run as admin from the folder and launch any games which will quickly reinstall from the data already there. Annoyingly, origin and epic etc don't play as nicely.