Will a disk based version be available to purchase?

I purchased 1 Corel 18 licence upgrade today and was asked if I wanted to buy download insurance. Previous experience with download insurance from another vendor, was its a scam usually limited to a year, where as if one bought or made a disk it was good until lost. So I asked if I could make a disk of the download instead and was told that was fine as long as I knew how.

Anyway what is downloaded is only a starter program at 2346 megs, so my concern is this means when Corel quits support I can not re-install 5 or 10 years down the road. I have 4 additional licences of Coreldraw with Corel purchased disks and am thinking maybe I should hold out on the previous editions if they won't provide full installation disks.  Or if buying the upgrades save to Corel 16 so they can be opened when 18 can't be installed any longer.

Do others see this as an issue?

Also for those using Windows Backup, have you had to do a restore and if so did the Corel program restore, or were you limited to Windows and your software files, with a need to re-install Corel program. 

I've previously done cloned workstation backups with Clonezilla.org but would like to be lazy and use Windows 10 if it will restore programs to a working state.