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Two things that I want to bring up before I forget, that folks ought to know.
First, if you intend to purchase an M1x-based Mac, and use a virtualization program with it, such as Parallels, to run Mojave or earlier so that you don't lose your irreplaceable legacy 32-bit programs...you can't. It turns out that just as you can't run a version of the Mac OS earlier than the one that came with your Mac, you also can't do it via virtualization. A Mac OS that expects an Intel processor won't work with an M1x processor, even under virtualization.
Second, while an SSD is a really good idea for creating a clone backup (so that your bootable clone doesn't run as slow as molasses), it might be a good idea to stick with a rotating disk hard drive to do a Time Machine (versioned) backup. Why? Because when an SSD becomes close to full it slows down precipitously. Time Machine works by filling up your hard drive with multiple versions of your saved files, and then erasing stuff as needed once the drive is full. Unfortunately once your SSD becomes close to full, Time Machine will still work, but it will become painfully slow.
First, if you intend to purchase an M1x-based Mac, and use a virtualization program with it, such as Parallels, to run Mojave or earlier so that you don't lose your irreplaceable legacy 32-bit programs...you can't. It turns out that just as you can't run a version of the Mac OS earlier than the one that came with your Mac, you also can't do it via virtualization. A Mac OS that expects an Intel processor won't work with an M1x processor, even under virtualization.
Second, while an SSD is a really good idea for creating a clone backup (so that your bootable clone doesn't run as slow as molasses), it might be a good idea to stick with a rotating disk hard drive to do a Time Machine (versioned) backup. Why? Because when an SSD becomes close to full it slows down precipitously. Time Machine works by filling up your hard drive with multiple versions of your saved files, and then erasing stuff as needed once the drive is full. Unfortunately once your SSD becomes close to full, Time Machine will still work, but it will become painfully slow.