The 3D stuff around games is actually the smaller problem. It’s performance critical but it’s basically “just” one API (bundle) to implement that then covers a big chunk of the game’s implementation.
Productivity software usually consists of a shit ton of other stuff. They would probably render fine, but then they ship with a weird ass licensing management system that will deny to work. Or parts of or even a whole app use .NET and suddenly you have the complexity of all the WinAPI calls hidden behind .NET Framework. Maybe the app does a few lowlevel WinAPI calls themselves on top, that Wine didn’t need to implement so far. Or the app you want to run is only distributed via Windows Store as UWP; the necessary APIs also haven’t been implemented yet.
Wine is awesome, but it’s not fully covering all the shit Window’s APIs offer.
I use Kopia to perform incremental encrypted backups (with some retention policy of up to two years) and store them on Backblaze B2, which is reasonably cheap.