Must be free (prerably also for commercial use, but I guess I can live without that; home has priority over work; it's just that I like to use the same tools at both if I can)
I don't need encrustation, Zip or other packing or incremental backuos. I don't need backup of common windows directories, like My Documents, or programs like Outlook.
I do need scheduling, with the ability to name the back up directories (e.g., daily backup - Mon/Tue... or Week 1, 2, 3 .. or Month - Jan/Feb...)
It would be nice to be able to exclude certain file types, which I define.
Copying of locked/open files is nice bonus.
[Update] For US $19.95, https://www.bvckup2.com/ seems prefect ("Select a pair of folders and Bvckup 2 will make sure that one stays an exact copy of the other. It is light, uncomplicated and really well designed. It is also incredibly fast."
), and I can get the naming that I want with this solution https://bvckup2.com/support/forum/topic/225 (or https://www.bvckup2.com/support/forum/topic/487).
I hope that this helps someone who is looking for something similar.