I had backed it up to an external drive. If I remeber correctly, there may be an option to remotely connect to google cloud from within the kopia app, but you don’t need to create any VM. I don’t have access to Windows to test it now, but you can always download the all the explore it.
This is what I do. Stick a card between the back of your phone and the case and you can tap your phone like you would normally. No one knows the difference.