BTW, paying $300 is no guarantee that your nightmare is over, since the Cryptolock virus can reinfect your PC if there's others hidden on your system.
Speaking of back-ups, be sure to religiously follow Leo Leporte's "3/2/1" rule, to at least stand a change of getting your files back (without having to pay an annual or semi-annual extortion tax to Cryptolock virus scammers):
http://www.40tech.com/2012/06/12/follow-the-3-2-1-backup-rule-to-safeguard-your-files/
I'd even go beyond Leo's recommendation, if I were you, since that's for situations where no known compromise risk exists. You are dealing with a KNOWN compromise, so I'd say stagger time periods of back-ups (semi-annual, quarterly, monthly, weekly, daily), using a "clean" system verify, etc, since Leo's recommendations are the bare minimum you should have been doing before.
Adam