Firstly,
Windows does not use the Hard disk ID as part of the licensing criteria so a failed hard drive will not cause any licensing issue, especially for OEM copies which are licenced by code on the TPM module
Terminology
A clone is used to transfer an Operating system from One hard Disk to another, normally larger disk, to allow the system to expand further than the original drive needs. It can also on occasion be useful in the case of approaching hardware failure.
A Disk image is used to back-up a working copy of the operating system such as if can be recovered in the event of a total failure - these images should be made on a regular basis, This may be to another internal drive but preferably to a separate Drive external to the system connected by USB or Esata. The drive should be stored off-site from the original system to cover for major disaster such are flood, theft and fire.
I personally perform a full system image of my C: drive and the related essential other partitions ( System Reserved) once a week, And before performing any major software upgrade, (Windows or 3rd Party)
Suggestions
For your situation, as I perceive it, you need to organise a Disk Imaging system for your set-up. Microsoft does include a basic disk image system in Windows 8.1 but my and other professional opinions, and years of experience believe this to be of a lower level of functionality and especially reliability then even free 3rd party offerings. I use a commercial version of Aomei backupper as I can schedule both system and data backups automatically but the Free version allows the same types of backups but with less automation. The same differences between paid and free versions also applies to other available software from EaseUs, Macrium and others.
Have a look at which functions you really need and choose a software solution for disk imaging, You may be able to use a USB stick to store the actual image(s), ( I keep 2-3 full data backups, c. 1.5TB each, and 3-4 System Disk Image sets, c. 50GB) so use an 8TB external drive) Also I would consider testing the system you chose, after setup of the recovery media, before you have a failure, - create a system image of a temporary partition, wipe the partition and use the image you created to fully restore it - this way you will have confidence if you ever do have a failure, Hardware software or malware caused