Or Personal Backup that works like a charm with WebDAV, Dokany and WinFSP .
Depends on the “quality” of the ransomware, but I would assume a clear “yes”.
You are right (from my paranoid point of view). I would not recommend that in a backup strategy
I do this with the software mentioned above. This includes opening the vaults right before performing the backup (and close them afterwards of course). But you cannot do on-the-fly backups. At least not in a practical way.