OP:
You didn't tell us WHICH Mac you have (Intel or m-series).
With Intel, a cloned backup is THE BEST kind of backup. You can boot and run from it even if the internal drive fails.
HOWEVER...
With m-series things change.
You may still be able to create a bootable backup (I would recommend trying SuperDuper for this, as it makes it easier). But be advised that even after "going through the process", the cloned backup may not boot.
Possible fixes:
1. You could try using the OS installer to install a bootable OS "over" the cloned backup.
May or may not work.
or
2. Get an external drive. Install a fresh OS onto it, THEN "migrate" from your internal drive to the external bootable drive. This USUALLY will work.
After doing this, you can use either CCC or SD to "maintain" the clone (just "the data part", not the sealed system volume).
BUT... there still can be a problem.
That is... with the m-series... if the internal drive fails, you can't boot from ANY external drive, even a "known working" bootable clone. Just won't work.