too true. i have posted about that a bunch of times in the forum, and about the correct backup tools.
even if OP could survive nightmare exclusions, the next issue is rclone cannot copy files that are locked or in-use.
https://forum.rclone.org/t/how-to-enable-vss-for-rclone-on-windows/11675
luckily, in four lines of dumb dos, can get windows to create VSS snapshots.
this technique is very simple, works on windows desktop and windows servers, and i have been using it on many servers and desktops for 7+ years. i figure i have done several 10,000s of snapshots.
the snapshots are temporary, disables writers and self-deletes after the snapshot is not in-use for a period of time.
they are also very lightweight, i once ran 10 backups at the same time, each creating its own snapshot.
i know that zfs and btfrs get the snapshot spotlight, but windows VSS snapshots are fantastic and easy to create.
i recommend free veeam agent. but i also purchase acronis true image for the boot iso.
so, a bonus of the way that howto creates the snapshots, they can run at the same time as as veeam agent is running its own backup using its own snapshot.
makes scheduling multiple backups using multiple software products a no-brainier.