Acronis True Image 2021 bootable ISO allows the target drive to be the same as the source drive, and, I can specify what folders I want to be excluded from image. When finished, I can boot back into Windows before I copy the image file onto the USB flash drive. With Ventoy, booting into the bootable ISO is child's play, and, storing some of my personal files (also including my image files) on the same USB flash drive is child's play. The image is reliable because Windows can't interfere with the process of image creation (why I only use the bootable ISO) and I make sure that the Verify image checkbox is enabled before the image creation is finished. The desktop app of Acronis True Image does not need to be installed for the bootable ISO to work. There also exists a Linux based version of this same bootable ISO.
As for using a cloud backup system. Personally, I, don't need or want that. It's just an image of my Windows system partition after all. All it does is just sit there waiting for me or Microsoft to jinx my Windows installation, and jinx it permanently. Which never actually happened to me anyway in the first place. lol The official Windows Installation ISO from Microsoft is on my USB flash drive too. I'll use that to do an in-place upgrade when I have to. I'll restore my image only if nothing else works, or seems to work. Maybe it's just luck, but in my case this has translated to NEVER. But I don't trust translators especially if they are from Microsoft. So, I keep the image just as a precaution. Because, I suppose that an SSD can still fail even if it's been carefully made by Samsung, and, you can never be too sure what the computer monkeys at Microsoft are up to next.