I actually did this **dd if=(running system root volume) of=(local usb attached hard drive file) ** This gives me a full disk backup that would be no worse than if power got yanked. (I know laptops have batteries, for this case we are pretending to be a desktop with no UPS)

Even for a home system? Not a fleet of data center servers. I am currently using rsync to backup /home/<<user>>/ to the ssh server. I tend to make a lot of changes to the base Debian/KDE install.