Thanks so much. As an end user, it's relatively rare that a succinct explanation like that is something I understand easily, and I appreciate your patiently addressing my questions.
I tried to look up the answer myself in the pdf user guide, but it's a bit long in the tooth (recommends FW external drives as the ideal backup repository, and contains not a single mention of APFS), but it's obvious Apple has made creating clone type backups a moving target!
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