I’m thinking similarly. I’ve been using normal Time Machine backups, together with iCloud (not really backup), occasional copies of data I care about to extern

I’m thinking similarly. I’ve been using normal Time Machine backups, together with iCloud (not really backup), occasional copies of data I care about to external SSDs, and occasional encrypted backups to remote storage (rsync.net) But it never even occurred to me to want a bootable backup or include the OS in it. In fact whenever I upgrade my MacBook, I choose to set it up as a fresh device and don’t use any of the tooling to copy everything-and-anything.