Hey there Daffy!
My name is Miguel Ángel and I'm an independent advisor, also a Microsoft user just like you! I'll try to solve your doubts today!
I'll answer one by one!
- I'm not sure what "recovery partition" means?
Some manufacturers use Recovery Partitions, like HP. That is a partition in your hard drive that allows you to recover all the operative system, drivers and manufacturer's software in case you need to do a reset. It looks like this in the file explorer:
https://www.support.hp.com/doc-images/618/c0374...
If there's no one, then you don't have one!
- If I run my Windows Defender now, obviously before the reset, will that cover any and all infections on all my files, including all my documents and pictures?
Of course! Windows Defender scans all the files, including documents and pictures. All the folders are scanned, unless you exclude any in Windows Defender configuration.
- If a virus or Trojan or Worm is put on my hardware -- not sure that's possible -- or in the Bios of my computer, will a total factor reset remove them?
Some virus are known to affect the BIOS image, however, they are not common at all. Normal virus (the ones that affect normal users) usually affect the system files and are usually solveable with any antivirus or a OS reinstall if it's too hard to solve. You don't have to worry though, antivirus softwares are really advanced on that matter (Windows Defender!).
Daffy, tell me if you have more questions or concerns. Just keep your antivirus always ON and you'll have zero issues!
Hugs,
Miguel Ángel :)