OP wrote:
"I'm considering about used mini 2018 purchase which would be used for long term project. And I do not want to be forced to throw this mini directly to waste bin in case of complete internal ssd disk failure."
Actually, that may become a problem with ALL new Macs, from this point on.
With the newfangled "integrated CPU/RAM/drive", it seems if the drive portion fails, the computer can't be booted, even from an external drive with a good copy of the OS on it.
Unless Apple changes to a design in which the entire "integrated heart" of the computer can be removed from the motherboard and replaced, the only other option for a failed drive may become to replace the entire motherboard.
Nothing Apple has ever done with their Macs has been this "radical" insofar as the inability to repair is concerned.
I'm wondering if this could cause their customer/fan base to turn against the Mac, in the future. Depends on how many drives will actually fail under routine use...
EugW wrote:
"Would turning off secure boot and allowing any boot media (before the SSD died) make any difference?"
I don't think this is relevant at all.
In other words, if the internal SSD fails, you can't boot from an external drive, no matter what the internal settings are.
(again, I could be wrong, and I welcome correction)