Agree with the others that have no issues using it in clamshell mode. I use mine that way form Monday-Friday every week, and bring it out on the weekends when my work computer is put away. Never had any issues with it. And with the M series Macs, the laptops rarely even get warm.
Just looking it from an economic perspective, not having to buy a second upgraded machine currently will save you more than you would even spend on any potential repairs. Even if you usually keep your laptops for 10 years and this somehow (it doens't but just for sake of argument) causes your computer to completely die after 5 years, and you bought another of the exact same model, it would still be cheaper because that's now a 5 year old computer you are purchasing, plus you've saved the money (and could theoretically invest it) for those 5 years.
Not to even mention the simplicity of having everything on one computer. I'd do it in a heartbeat.
And FWIW, the battery charging stuff in Mac OS X works well for me. It's on right now, says that charging is on hold (Rarely used on battery). The charging cord shows orange, like it's charging ,not green like it's full) and it's like that all the time.