FYI I am running CCC 5.1.15b1 (5890)....
I installed it today after reading your post; it sounds fascinating.
FYI I am running CCC 5.1.15b1 (5890) which offers a completely new cloning methodology called a "Full Clone" and is based on APFS, Snapshots, and a command in Catalina. It does not use any of CCC's old technology and the target drive is erased every time.
I couldn't find that on the CCC website; please post a link.
In my instance, 5.1.15 takes about 15% less time to complete a basic "Copy All Files" clone than 5.1.14 did.