What follows is just my personal opinion. I own a 3-liters aluminium pony tank, but i did use it only in very extreme diving conditions: very deep (50+ meters), deco planned, in caverns, etc...
I find it very disturbing in terms of agility, being streamlined, etc.. So I possibly used it no more than 10 times in my life.
During the first 10 years of my diving career (when diving deep and with deco was the norm) I instead always use a 10liters+10liters steel twin tank, or a 9l+9l alu twin tank. This is less disturbing, more streamlined - and the twin alu tank brings you perfectly horizontal.
Such twin tanks provide a huge amount of air. They have two posts with independent valves, so you can use two independent regs. At the time there was no separation manifold, but still such a twin tank did provide enough "redundance" fo being safe, without the hassle of a pony tank.
Now, being much older, I do not dive anymore to such depths and with planned deco, so I reduced my need to a single tank.
Still it is a 15 liters steel tank with twin valves and double posts, so i can use two fully-independent regs. And now the pressure is 232 bars instead of 200 bars, so a 15 liters tank still provides a reasonably large amount of air.
I think that for diving at modest depth (no more than 40m) and with no deco obligations, such a 15 liters tank with two separate regs provides enough redundancy for being "safe enough".
However, I would NOT feel safe with a smaller AL80 tank, and with just one valve and one first stage with an octopus. I had seen enough failures of the O-ring on the post, or complete failures of the first stage for considering this setup "not safe enough" for me...
So I agree with you that going beyond that basic setup used by moist recreational divers is a good idea. But I suggest to evaluate alternatives to a pony tank, such as a compact twin tank: now they make these nice 7l+t7l twin tanks at 300 bars, with separation manifold. They are very practical to move around, very streamlined on your back, they have DIN connection which is much safer than yoke, and I think that if I have to buy a new tank nowadays that would be my first choice.
It i just below 500 eur here:
Bi-bombola 7+7L 300b Wide
The other possibility would be a single tank of say, 12 liters at 300 bar or 15 liters at 232 bar. Much cheaper but equipped with a double valve system, it still allows to use two fully independent regs. For recreational diving this would be my "Plan B", if I can't afford the compact twin tank shown above.
The first one is around 400 eur here:
BOMBOLA IN ACCIAIO 12 LT EUROCYLINDER CON RUBINETTERIA 300 bar
or the second one, which is what I use now, it costs less than 300 eur: here:
Bombola Sub Mares 15 Litri Rubinetteria INT-DIN Biattacco Prod. 2020
Of course the first is more streamlined and compact, but in the end I am currently happy with my 15-liters. And not everywhere then can fill the tank up to 300 bars, instead 232 bar is quite normal everywhere.
It must be said that renting a 15-liters at 232 bars is absolutely common here in the Mediterranean sea, and most diving centers have dual-valve tanks. I understand that in countries where the average depth is shallower and deco is seen as an anomaly such semi-professional tanks are not so common.