I have been using mac's with USB accessories attached since May 2000 & have never had this problem.
Apple has reduced the number of ports forcing people to use accessories creating the problem & should have allowed for this in the design.
The hard drives were all attached to the 2012 i7 Mini replaced by the M1 Mini & never had this issue.
I am using a Lacie Drive which is now on its third Mac Mini since 2011 & never had this issue.
The Mini is the main computer for my business & having it reboot multiple times a week is bad, I loose work which costs me money & time to recreate.
The issue is with the M1 chip as this rebooting did not occur when using Power PC chips from 2000 until 2011 & Intel from 2011 until now.
There is also a problem with Preview on the M1. I create large PDF doc's & the M1 can't merge the files it stalls within 60 seconds, so I force quit, then transfer files to a usb & do the process on a 10 year old i7, also have a core 2 duo mini with 2GB ram which out performs the M1when merging PDF's.
I'm at the stage where I'm considering ditching the M1loosing money & going back to the 2012 i7 Mini.