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I think the point you're missing is that it needn't be a requirement of doing business, unless you insist on using Apple products.I don't think I'm missing any point.
Comparably spec'ed laptops from PC vendors are of similar price. And even a desktop tower-style PC soon goes to more than $2K with good enough components (if you're a video or audio pro, for example -- a sysadmin could get away with a $300 PC barely able to run SSH). At best you save the Apple premium (let's say 20%), but there's still a cost for a second unit, and you should consider it part of the cost of doing business.
>And, even if I have a full closet of old computers (I do) that doesn't mean I find it enjoyable to switch back to old hardware for a week or more, when the alternative is somebody coming to me within a day to fix it on site
Who said anything about "old hardware"? Your backup should just as well be a twin machine to your main driver, that you buy in pairs as backup.
This all is common (and obvious) practice for businesses -- who buy spare PCs, or lease their equipment and can have new ones on demand. It should also be common practice for an individual developer/designer/pro computer user working in an one-man-shop.