Animosity runs a very similar setup to your and is an experienced rclone veteran.
He has a big old thread dedicated to this whole topic where he also shares the details of his whole setup.
I would say that is the natural place to begin and I know for a fact that many if not most of the problems you bring up here, Animosity has already solved for his use:
I could elaborate on details, but it's better you come back here once you have more pointed questions that you don't feel have already been answered - unless you prefer to just talk in that thread that is...