I have just repeated what failed this morning and it worked ! Successfully installed and booted onto USB Samsung T5 using a bootable USB flash drive.
Again reinforces the flakiness of the topic, and if it doesn't work first time try again.
Just done another repeat test install. This time I launched a freshly downloaded installer direct from the Applications folder and installed successfully onto an external USB Samsung T5, and booted from it.
This avoids steps 2 and 3.
This reinforces what I said earlier "Different things work (and don't work) for different people at different times". to which I would add if it doesn't work first time it might the second.
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