Please. As for matching parts to the motherboard, they have a point when it comes to I/O devices. It’s probably way more cloak and dagger than most people will ever have to worry about but it’s not unheard of. Again, if you don’t want to think about such things and want a device that trades ease of repair for improved base security why isn’t that something that shouldn’t be a choice?
I’m generally pretty pro right to repair, but as with anything there are pro’s and con’s to all choices and I’m not fond of several of the right to repair arguments for government regulation being made. Apple is far from the only maker of computers out there. It is the only maker of macOS, but that still doesn’t justify people trying to dictate their business model - especially when many aspects of their business models are major reasons why I prefer their platforms.
Until then, clouds operate on a best-effort basis, some of which rely on hacks or break common use-cases (I can't put a Git repo in iCloud for example, and it doesn't perform well with lots of small files, and accessing the iCloud folder from the terminal apparently has problems). Why is iCloud still not a supported target for Time Machine, Apple's official backup solution for macOS?
Furthermore, most people do not make this calculation in their head of "Okay, anything I put behind the T2 is Apple's property now so I'd better have unencrypted backups". They just buy the computer that works and says that it keeps thieves and snoops out of their data. Everything we're talking about with backups comes as a post-purchase surprise, usually AFTER the data is already lost.
This is referencing the Touch Bar repair which means that the user has encrypted their drive with Touch ID. The only reason any repair would be harder is because the Touch ID sensor is paired to the secure enclave. The same goes for the SSD. Without the key, as you stated, you shouldn't be able to access the data so I don't see how that's any different than "having a data recovery mechanism". A data recovery mechanism shouldn't exist if you don't have the proper keys.
The T2 also has a particularly wonky approach to disk encryption. It uses a key management approach where neither you nor Apple control the actual key material. This means that a dead T2 takes your data with it and there is no recovery. In pre-T2 MacBooks, Apple had a lifeboat connector which could be used for data recovery from the soldered-on SSD. They got rid of this with the T2, because there's no point - only that specific T2 in that specific motherboard is ever able to decrypt the data.