All I have to do to Backup my phone, apps, folders, photos settings or the iPhone folders and apps is Icloud backup right?
Like this Screenshot, this is all I have to do right?
iPhone XR, iOS 14
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Yes, but I would also recommend you do the following and go to:
Settings > Your Name, Apple ID, iCloud, iTunes & App Store
Tap iCloud
Turn on everything you want to back up to the cloud such as Photos, Messages, Notes, Calendars, Reminders, etc.
Once you've turned on ALL the service you want backed up, your phone will backup automatically, when it is plugged in to charge and connected to Wifi