My problem is I am still not so good at linux, and unless I miss all the instrucs I read, to restore one of these backups requires a running pi! So if I just have one running SD pi card, and it messes up, I am finished and cannot run rpi-clone to recover. Or I need a image of another running card with rpi installed on it to run to pull off the backup; but then it would overwrite my backup imaged SD card... I think I should stick to windows for imaging.
The goal of RPi-Clone is to have a second SD card that you duplicate your working card onto. You can do it once and have a backup sitting on a shelf or do it periodically and have a live backup (for RPi with only 1 SC slot, you will need an adapter of some kind). In either case, should you have a problem with the boot card where it won't work, you simply power down the RPi, pull the non-working card, replace it with your backup card, reboot. There isn't anything else easier out there IMO.
If you use your current approach, you need a working computer of some kind (PC, RPi, etc) that can write an image file to SD. With RPi-Clone, you only need the one RPi and it must be working at the time of the backup. That's it.
EDIT:
The only thing you need to be careful of is selecting the correct drive in the right order. If you backup SDB to SDA and the original were in SDA, you'd write a blank file system to the boot and would be hosed. It's not difficult to use RPi-Clone, but I can't say that it's impossible to break things as I didn't write the code nor have I verified it has checks to keep you from doing serious damage to the boot OS.