RE: "Simply, the USB support on the MacBook Air USB 3.1 gen 2 single lane. The T7 supports USB 3.2 get 2 at 10 Gbps with two lanes."
So you're saying that Samsung's "USB 3.2 Gen 2 (10 Gbps)" specification translates to "USB 3.2 Gen 1x2" (which has no USB-IF marketing name) rather than to USB 3.2 Gen 2x1 (a.k.a. USB 3.1 Gen 2 a.k.a. USB 10 Gbps)? If we assume that this is the case (the lane speed is 5 Gb/s or 625 MB/s) and that the 2018 Mac Mini is negotiating the transfer down to a single lane, how would the Mini achieve a transfer rate of 650 MB/s to the SSD?
You're right that the USB specs can be "a ball of confusion". USB4 has three "up to 20 Gbps" USB data transfer modes. One of them is USB 3.2 Gen 2x2 ("up to 20 Gbps"). There are a couple of new, incompatible USB4 modes … one of which has a marketing name, one of which doesn't. Naturally, USB4 20 Gbps mode is mandatory for USB4 host ports, while USB 3.2 Gen 2x2 mode is optional for them.
People in other forums have reported that Apple Silicon Macs do not support USB 3.2 Gen 2x2. If you hook up a USB Gen 2x2 SSD (there are one or two of those) to an Apple Silicon Mac, things will fall back to "up to 10 Gbps" speed. To be fair, Apple doesn't claim that Apple Silicon Macs support USB 3.2 Gen 2x2, but given that they DO support the optional "up to 40 Gbps" Thunderbolt and USB4 40 Gbps modes, one might be forgiven for thinking that they supported all lesser USB speeds, as well.
Oh, and all of the USB4 Gen 2x(whatever) modes are different from their USB 3.2 Gen 2x(whatever) counterparts. Within USB 3.*, if you matched the Generation and the number of Lanes, you were talking about the same protocol whether it was called, say, USB 3.2 Gen 1x1, USB 3.1 Gen 1, or USB 3.0.
https://en.wikipedia.org/wiki/USB4