Lisa, here is my logic on what I said.
Typically, the use of a clone was to be able to immediately reboot if the internal drive failed. You would reboot from the external and be back processing in minutes. There would be a performance hit, because of the interface speeds, but at least you would be processing. Then, you would order a new drive, wait for it to arrive, then clone the external back to the new internal, boot from it and be back where you were. No lost time waiting for that replacement drive. In a business, like yours, it may even make sense to have that replacement drive already purchased an on the shelf, just in case.
But with the Apple Silicon (AS) machines, that use case is not so good any more. If the internal storage of an AS Mac fails, the system will not boot, period. The logic board needs to be replaced, and that is not trivial given the way the system security now works. So, that clone you might make is not really of value to a Mac with a dead storage area. As
@Randy B. Singer has pointed out, that clone CAN be used to boot another AS Mac, which will get you going again, but if you have to wait for that Mac to be bought, arrive, etc., that is all lost time. So Randy's suggestion is to have the spare on hand. If you can afford to have a spare sitting on a shelf, that makes good sense. If you can't afford to buy two Macs at a time, then buy the one you need for your work, and the backup can be less powerful, but functional. So, if you have a Mac Studio, or a big MBP, you get a Mac Mini as the "spare." Think of it as the little spare donut in your car. The wheel is good enough to get to going in an emergency and let you drive as you buy a new tire.
Hence, what I said. If you NEED a full spare, you get it. But most of us, I suspect, could do with the donut.