Comprehensive and Detailed In-Depth Explanation:

To minimize costs and user disruption, the technician should:

B. Configure the backup to run after peak hours – This prevents slowdowns during working hours.

D. Use the built-in OS backup utility – This avoids additional licensing costs.

A. Configure the backup to run when the user logs in – Incorrect. This could slow down startup and affect productivity.

C. Use third-party licensed backup software – Incorrect. This would increase expenses.

E. Configure the backup job to run every hour – Incorrect. Frequent backups may slow down the system unnecessarily.

F. Use an external storage device – Incorrect. While useful, it may require additional costs and maintenance.