Windows - break one disk into two: axis and data

Good day, dear. I want to break your disk into three
Ain - for OS
Zwei - for programs
Drive for data
This is done so that you can reinstall the OS without problems.
Attention the question is: is it worth it to create a separate disk for programs if you also have to reinstall them with Windows?
Or you can do so that they earned with the new Windows? And if there will be two disks, how much do you need for Windows with the programs? And if three? Thanks for answers.