While that is literally true, many USB devices use trivial amounts of data such as keyboards, mice, and printers. So you can get a hub if you want and not really worry about attaching such devices. If it has sufficient amounts of power, you can also use it to power devices like iPhones or iPads and that won't use any data.
For most people, the two big data hogs are SSDs and displays.
So given that you have the M2 Pro, you may as well use only one high data device (SSD or display) per port on your M2 Mini Pro. That will get you both the fastest performance AND the least amount of issues.
Personally, I use the TBU42 for my SSD enclosure. I purchased it on sale for $129. I use the extra USB ports to charge Apple Watch, iPhone, Kindle, etc. - I can switch around the plugs to this without having to touch my Mac Mini, which I have hidden away along with the associated mess of cables. I don't use the DisplayPort port and likely never will.