No Bo / Weasel, thanks, neither of those ideas works as this is an off site backup, so I need to have one offsite bootable backup. The only issue I guess is for the first time, buying the new 27" I'm putting Data on the Mac HD, So in the past, I never did that. I always left the Mac HD pure so never saw this before. I can't make a spare drive for the data as I use it too much on a daily basis and cannot be encumbered.
What is a good 3rd party app that can encrypt the drive? Maybe that is the best solution, or consider bailing on SD for CCC. Though I like SD for a long time. It's off site, and the odds on anyone getting to it is rare.
Also have this idea: Maybe before taking it off site, and then again when bringing back, just move the data from the OS drive to the data drive. pita.