any way to backup saves and user?

hi. i want to format my ps4 b/c it's crashing alot lately, but i don't want to lose all my saves. i understand if i format or reinitialize i will lose everything. i know you can backup saves with the payload but if my "user1" account gets deleted then it will be useless. is there any way to backup or clean out everything without losing my saves?

edit: i am on 4.55 ps4 pro