USAFRet :
Fragments? No, it's the whole file.
And you can even mount a Differential or Incremental image in File Explorer, and extract a single file.
On the Free version, if you leave Incremental selected, it will just tell you that is unavailable in the Free version.
You can continue on from there.
I think there is a knowledge gap here as to how the methodology of Macrium Reflect works. It took me a bit of reading to fully wrap my head around it.
Reflect is one of those rare gems that have FANTASTIC FEATURES built-in, but there is not much "marketing and fanfare" about them;
eg. High compression algorithms, automatic purging of dated backup images, possible to image multiple partitions from MULTIPLE DISKS, all ON ONE BACKUP IMAGE... AND/OR EXCLUDE THEM. The list goes on. All these features are on the Free, Home edition too. Super simple to use, even for a very tricky backup config like mine where I am using 3 different hard drives in a highly custom configuration to optimize Windows and increase the longevity of "the Precious NVMe SSD". I have custom locations for Temp files of all types (scratch disk partition), I've moved the %systemroot%\User directory to its own disk partition, and I have my repos for development, local servers, Virtual Machines, PortableApps Platform Directory (HIGHLY RECOMMENDED), and more, all running at different 'platter points' of a large local drive, all while getting frequently 'backup imaged' by Macrium Reflect Free Edition via 3 separate "jobs" that run once a week to a remote NAS Station. Macrium Reflect has GREATLY simplified my life as far as backups go. And that's just the Free Version. The biggest difference in Free vs Pro that I have found is its ability to leverage the various aspects of INCREMENTAL backups, which are MUCH faster to restore from, but also greatly speed up/reduce seek reads/writes to hard disks over time. Since I don't use this for "work machines", since they have their own "IT Department enforced" backup/restore methodology (which is usually pretty awful) I don't really *need* the Pro features to get what I need from the backup imaging. Though, I admit, it would be nice to have those Incremental and "Delta-based" features enabled, lol. It's certainly not necessary though.
If you've ever used any kind of Version Control software like Git, SVN, Mercurial, CVS, etc. it helps GREATLY to understand what is so great about how Macrium Reflect actually works. I think those of us who have "gotten the hang of" using Macrium Reflect are picking up on the language and tone you OP is using that is clearly unfamiliar with "delta-based" types of version control (delta, being the "Greek Triangle" that isn't just part of the name of a Frat/Sorority, but it represents "change" in higher-level mathematics). No judgement, some people literally NEVER wrap their heads around the concept, and those who do grasp it, sometimes need to take a moment to think it all through to reach their intended goals.
If you never much care for understanding how these "Diff's" and "Increments" work, you *could* get away with just creating FULL Backups from the scheduler during the creation wizard, and leave out Diff's and Incremental's completely. I don't recommend that, since the backup imaging process will take MUCH longer than you need it to... and you clearly paid for the Pro version, may as well use the Pro features.
What REALLY SOLD ME ON but also HELPED ME COMPLETELY UNDERSTAND just the depth of how AWESOME Macrium Reflect is, I read this KB Article on how to use the Macrium viBoot feature -
https://knowledgebase.macrium.com/display/KNOW7/Macrium+viBoot
It's a tricky way of thinking, at first. you have to realize that Differential & Incremental Backups are working WITH the FULL Backup(s). That is the reason why when you initially create a new "job" for Macrium Reflect to image a particular disk or partition, it (correctively) steers you towards creating the initial FULL Backup that is needed to get the most out of Macrium Reflect.