Dedo wrote:
It’s to have a saved., relatively current, copy of the internal HDD, located on an external HDD, from which to reload, reinstall on a new internal HDD, should it be necessary.
Did you read the link provided by Owl-53?
https://support.bombich.com/hc/en-us/articles/20686422131479-Creating-legacy-bootable-copies-of-macOS
This link, by the CCC vendor whose software you are using to make your "clone," indicates that booting from an external has become problematic with the most recent versions of MacOS. There are similar warnings by SuperDuper, another "clone" software tool provider. Also, both CCC and SuperDuper warn that if you want to keep the external drive MacOS current, you should not apply MacOS updates to their "clones," you need to erase that entire drive and reclone the entire internal drive again.
In short, the external bootable clone is not useful in the way that it used to be. Having a full and complete backup of your files is important, but the external bootable clone cannot be used anymore to restore the MacOS and all files to the internal. Instead, the process that Apple requires now is to boot into recovery, erase the internal drive, reinstall the MacOS from Recovery, and then migrate files and user accounts from a backup (which can be that external clone). In other words, for file recovery, the external "clone" need not have a current or working bootable MacOS, it just needs to have a complete backup of all user files. The MacOS is reinstalled from the Apple servers in Recovery.