Quote: "...folk in their studio with Mac Studios and Mac minis, using bluetooth keyboards, with all sorts of hubs and connected devices. They can't ALL never use a USB3 Hub."
Hmm. I suspect 99.9% of these Studio owners don't fall into the category of 'I've spent so much money on the Mac so I've only got $36 left for peripherals...' 😣
If you want reliable performance from an Apple product, use peripherals that use core-technology that Apple has co-developed - Thunderbolt, and only use peripherals from manufacturers that have a development relationship with Apple - so they get developed to be reliable.
In particular, except for using multiple external displays (which benefit from a TB4 'hub' type of dock), for data storage uses, stick to Thunderbolt 3 - with Intel's 'Titan Ridge' JHL7440 controller.
Because with a TB4 dock, the USB ports on the dock are still managed by the host Mac.
Thunderbolt 3 works differently, and the USB ports have their own host controller in the dock.
So they don't suffer from the problems that cause the SSD/HD disconnects etc.
And furthermore, to prevent your problem, it's almost universal with proper docks that they are housed in a shielded case...😣