Limit Your Exposure
Unless you always save to your external drive or your mapped drive on your home server, you might consider disconnecting when not in use. The encrypting malware is getting really sophisticated and extends its reach to your mapped drives. That means if your offsite online backup solution operates as a mapped drive, your safety net could become no more useful than your compromised computer. It will add a layer of inconvenience, but it could be the step that makes all the others worth taking.