Anna, I think your strategy is getting there.
Ultimately, what you can do depends very much on how much you can/want to spend.
You could spend more money, and get faster Thunderbolt external drives. Or stick with USB drives and spend less. It will be slower, but by no means slow, and from what I see, if you are basically storing stuff, it’s more than enough.
At any rate, I think your path to a successful backup strategy HAS to go through buying CCC or something similar.
I would do this, it means buying
(A) one small portable 2TB drive, I would get a Thunderbolt Samsung or SanDisk
(B) one USB hub with 2x 2TB drives in it, like this one: OWC 4.0TB Mercury Elite Pro Dual RAID Storage... at MacSales.com
(C one 2TB USB external drive, will be cheap
Let’s talk about (A) - this would be for your daily use. 2TB. Samsung or SanDisk are great (I have both, in many versions). Being portable, in case you ever need, you just put it in your pocket and go. Get a Thunderbolt (any Thunderbolt version is fine, yours is version 2) - much faster than USB.
Now (B). A USB hub, the OWC one is perfect, will come with 2x 2TB disks (you could swap the drives in the future if you get a newer Mac with a larger internal drive).
Disk 1 of this hub (call it B1) would be used for making daily backups of your drive (A), manually or using CCC (preferred)
Disk 2 (B2) would be used for Time Machine backups of your 250GB Mac internal drive
Now to drive (C - this can be very cheap, you can buy a USB 4TB Hard drive cheaply. You would create 2 partitions in this drive, one partition 1TB, the other 3TB.
This drive will NOT be connected all the time to your computer, you would plug it in say, once a week.
The 1TB partition you would for CLONING, using CCC, your internal 250TB Mac drive.
The 3TB partition, you can use for making an extra copy of your data files.