I have been using Carbon Copy Cloner 7 for a couple of days now. It seems to be more similar to how I used Macrium Reflect on my PC than SuperDuper!, so this might be the backup tool for me, going forward.
Purchased Carbon CopyCloner 7, which automatically makes an encrypted backup from my Mac’s entire internal SSD to the external SSD, whenever I attach that external SSD.
Wrote a script using rclone to back up selected files unencrypted to OneDrive.
SuperDuper does make incremental backups, encrypted or not. The process for creating the first encrypted is a bit unintuitive though. I don’t know if the same is true for CCC.