OK. Let's avoid the
https://xyproblem.info/
But to do that, I have to explain the very long story, which is a bore. Still, this reply means I have to do it, I guess.
My problem: Although I have offsite backup, I prefer to use an external SDD.
This comes from hard won experience where being able to take a hard drive out has been very useful. These have been:
1) A laptop broke. Backup hadn't been working, and I hadn't been informed. Fortunately it was a simple fix to take the SDD out with the data. This alone means I just can't trust the M1 soldered in SDD.
2) a few other situations a bit similar to this
also:
3) I can't get fast internet here in central Hong Kong because all the fibre slots are full both at work and at home. Thus I'm on slower internet in both places, so cloud backup isn't fast or reliable. While I have a home NAS, it makes sense to also be able to recover via an external drive as well.
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So why not plug the usb in and out every time we switch the laptop on and off. Again, experience with that puts me off. I did this with older macbooks. However, metal fatigue on the USB port failed the port. Fortunately, I was able to replace the USB port. I didn't need to wait for a repair because I did it myself. The new M1 has a block on me doing that. It's a simple thing to take data across, but not with the soldered in SSD in newer macs.
also (4) Because the SSD is soldered in place, if I take it to Apple, it would be nice to take the SSD out. I can't do that with a soldered in chip.
This simple approach of an external SSD solves all this hassle.
I think if someone says "Just don't", they've just been lucky so far to fit in the system, or just inexperienced. I wouldn't even say throwing money at it / applecare really helps, because you still have to wait for that repair to come back