APFS snapshots for Time Machine suck so much. They take up a ton of disk space and TM's GUI is horrible, it will just sit there syncing for forever with nonsensical time estimates. Then, once it finishes syncing, it will _eventually_ clean up those old snapshots. I've considered dropping TM completely because of this and sticking with just Backblaze and CarbonCopyCloner instead.
If I exclude my git directories (one of the most important things on my computer) then I really don't see the point of using TM at all with the other backups I do regularly.
Genuinely curious... why do you see the need to back up git?
Even if I don't want to push to a server, I use a different disk or USB as an additional remote in git and push to that. Although I do that only for financial data, so only done once a month so it's not too big a hassle.
I have had good experience with Arq backup 7
Despite its apparent opaqueness, TM is reasonably transparent for the everyday Mac user
Yeah TM has its shortcomings. I went with Arq (non-affiliated) instead.