Thanks for your excellent advice. I only have a home desktop, so my safety requirements are less complicated than yours, but everything you say is entirely relevant. Cloning the boot drive is something I hadn't considered, but will now follow up on.
Can I ask your opinion of external HD backup schedules. I basically plug an external HD in and let it do a straightforward general backup, which seems to be the complete internal drive; or maybe I'm wrong from what you say.
I recently absent-mindedly put my desktop to sleep while a backup was in progress. Something I have been told can corrupt the drive, and have been prone to doing in the past.
Firstly, in such an instance should I erase the external HD through Disk Utility and do a complete new backup.
Secondly, how can I check an external HD is fully backed-up and healthy. When I enter an HD through TM, I can’t open Music and Photo albums. All it will show is the volume of the folders. If I enter it through the drive icon on the desktop, and burrow through to Pictures and click on it, the Photos App is activated in the Dock and I can view my photos; but I don't know if I am seeing what is backed-up on the external HD, rather than just my Photos on the internal drive.
Thirdly, why doesn’t Apple prevent accidental computer shut-downs by not allowing ‘Sleep’ or ‘Shutdown’ to take place if a backup is in progress.
You didn’t mention the Cloud as a secure way of backing-up the internal drive. I have concerns about the security of using it.
As a consequence of the above, I don’t have my external HDs permanently connected, and don’t do frequent or regular backups, but only generally when I get a ‘No backups for x days’ message, and I select ‘Energy Saver’ never to put the desktop Display or Computer to sleep before I connect each in turn and do a backup.
Not ideal or sensible I know, but it is the only way I can be confident of doing an uniterrupted backup.
I have three external HDs. The oldest is the size and weight of a brick, and the most recent the size of a credit card wallet. I don’t know which, if any or all, are reliably backed-up and fully functioning, or 'turn out to be garbage', as happened to you.