The way all of the backup/sync/restore is so dialed in on MacOS/iOS/iPadOS at this point is pretty hard to beat. You get a performant fat client that you can treat like an interchangeable thin client as the need arises.
Exactly. I have a high-speed USB-C disk connected to my machine and an off-site backup. The first is for accidentally deleted files and to be able to quickly recover. The other is more of an actual backup. My iPhone and MacBook are indeed expendable devices at this point.