It could have been an update.
In File Explorer expand This PC and then C: select Users and see it there is a temp folder. If there is then you are signed in with a temp profiles and need to restart 4 times using Start > Power > Restart.
After the 4th start check again. to see if either you settings and files are back or you still have a temp folder. While there check to see if there is a folder with your sign-in name. If there is look in the Desktop folder for the files and any others in the default folders.
Important
Do not move these files to your current sign-in as they will get removed again. Copy them to another safe location.