I have tried many different brands of backup software and finally solved the problem I have with them. I found a program in Win10 that will do just what I want. Back up the whole drive, copy over files if they are outdated and copy in new files or directories.

Want to know what it is? A batch file command named "robocopy". A high level copying program that will take less than 10 minutes to set up, the calling batch file resides on the Desktop and it just did a 2nd backup in under 10 minutes. The first did take 5 hours, but that backed up 410GB of data.
Here is the command in the batch file if you want to use it.

robocopy c:\ d:\ *.* /s /R:1 /purge /mir /w:0 /xd "C:\users\dk\onedrive" "C:\windows"

I could set this up as a cron job, and have it back up continuously thru the day, but it is just as easy to hit the icon on the desktop every so often and then be sure it is working.