If it was me I would just build a second SD card, test it and put it aside. Having a second card lets you just power off, swap cards, power up. All your data and config info is on the USB drive. If you have multiple Pis, having a backup SD lets you have a card that works with all your Pis. The key thing to backup is your USB files in my mind.
I have swapped cards many times with no problems so I know it works.