While I'm not the go to expert.
Down load the files and back them up to an external drive or USB. This way you have the programs that you purchased. Your product key can always be obtained from your download list at Stardock.
I assume that it would also be a good idea to check for updates before your annual sub runs out just to be sure you are indeed, up to date.
Need to reformat, download those files and when they ask, insert the product key and all should be good.
Pretty sure this is correct if not, please someone pipe up.
**** Dang Tom, beat me to it while I was typing. ****