You have made the right decision by deciding to "go external" using a USB3 SSD.
I've been booting and running my 2012 Mac Mini this way since the day I took it out of the box in January 2013. I'm boasting for certain, but I doubt many users in this forum have as much experience as I do in operating a Mac this way.
If you follow my instructions, I guarantee a success rate of 98% or better.
You didn't tell us WHAT SIZE the new SSD will be, and WHAT SIZE your internal drive is (and how much of that space is currently "used up").
That's important information.
Also:
- What OS are you using?
One of your premises above
is WRONG:
You want to put the OS, apps, and your "basic accounts" on the SSD.
You want the SSD to remain "lean and clean" so it will perform at its best.
However:
You DO want to leave certain "large libraries" on the internal HDD.
These libraries do not "need speed" and they will continue to work fine there.
These large libraries are:
- Movies
- Music
- Pictures
- Documents (depends on how much stuff you keep in there)
Once you have the SSD "in your hands", here's what to do next:
Connect it to the Mac. Open Disk Utility and ERASE it (format it).
If your internal drive is running Mojave, you should set the partition map to GUID (first) and then choose APFS.
If your internal drive is running High Sierra or something earlier, I recommend that you set the partition map to GUID but use Mac OS Extended with journaling enabled.
OK, did Disk Utility do the job? The drive should format and then mount on your desktop.
Next, give the drive a name that will be meaningful to you.
Now, go here:
http://www.bombich.com/download.html
... and download the version of CarbonCopyCloner that is appropriate for the OS that you're using.
CCC is FREE to download and it's FREE to use for 30 days. "My method" will cost you nothing.
Now, open CCC, accept the trial, etc.
Accept all of CCC's defaults for now.
Now you have to set up CCC.
Your source drive (the internal drive) goes "on the left".
Your target drive (the SSD) goes to the "center spot". (to the right of the source)
DON'T click clone yet.
See in the center-left the popup that says "all files"?
Click it and choose "some files".
Now it's going to present you with a long list of folders/files with checkmarks.
The default is that ALL are "checked" (meaning all will be copied).
You need to change this,
but selectively and carefully.
OK, go down to the Users folder and click the disclosure arrow so that you can see more.
Now, locate your own home folder and do the same.
Next, you want to UNCHECK these folders:
Documents
Movies
Music
Pictures
Leave everything else checked.
Now, click the "clone" button on the lower right and let CCC do its thing.
IMPORTANT:
CCC may ask if you wish to clone over the recovery partition as well.
YES, you want to do this.
The end result:
Your internal drive will be "cloned over" to the SSD, with THE EXCEPTION OF those large libraries that you unchecked.
Again, this depends on just how much stuff is "in" those libraries.
If (for example) you don't keep a lot of files in the Documents folder, and its size is small, then by all means "clone that over" too.
It's up to you to ascertain what needs to be done here.
OK, when the clone is done:
Quit CCC.
Power down the Mac -- ALL THE WAY OFF.
Next, press the power-on button, and IMMEDIATELY hold down the option key and KEEP HOLDING IT DOWN until the startup manager appears.
Select the SSD with the pointer and hit return.
NOW --
the moment of truth.
Do you get "a good boot"?
If you do, log in and get to the finder.
Take a good "look around".
Try a few apps.
Do things look ok?
If so, one more thing to do:
Open the startup disk preference pane.
Click the lock icon and enter your password.
Click the icon for the SSD, then close system preferences.
Time for the final test:
Power down again, ALL THE WAY OFF.
Press the power button and let the the Mac boot up (NO option key this time).
Does it boot from the SSD?
If so -- YOU'RE DONE!
PRINT OUT these instructions and read through them a few times.
Looks like work, well... it is... but just follow along, and you'll do fine!