Rivet wrote:But it seems you still have to be a little bit more proactive about it to keep the ransomware away
Backups, backups, backups. Not everyone has hundreds of GB worth of family photos and such, but do you have documents for school/work? Music that you'd have to pay to replace? Many of the ransomware programs run on a list of file types to encrypt. Standard document formats, photos, videos, music files, text files, configuration files... Theoretically it could encrypt saved game and game config files.
A real problem is that there are dozens (or more) of variants out there, and not all of them are written well. Some used the same decryption key for all the computers. There are decryption programs out there for those. But some (I've seen firsthand with customers) were written so poorly they threw away the private key before sending it to the C&C server, so it's impossible to decrypt the files even if you pay.
Whether you think you have important files or not, keep everything up-to-date and have backups. Online backups solutions go for as little as $50/year.