No, performing the "Refresh your PC" option won't cause you to lose your photos.
No, performing the "Refresh your PC" option won't cause you to lose your photos.
Try restarting your computer or checking your internet connection. If the issue persists, ensure your system is updated and consider running a virus scan.
Create a Linux installation media, like Ubuntu, write it onto a USB drive, and boot from it to safely store your data before performing a fresh OS setup.
If the installation files for updates are compromised, you should take action.