Hey again Randy,
Actually if you intend to resize two different partitions after the clone, you'll want to do that as part of the Reflect operation, not afterward. Also, since you're on Windows 10, you may want to relocate your Recovery partition since that will avoid Windows creating a new one in its preferred location later and leaving your current one there as dead weight afterward. What I'm about to explain will probably make more sense when you actually have the new SSD attached and can tinker with the wizard. You can click all the way through the clone wizard to the activity summary page without actually running it, fyi.
Basically, when you set up the clone, choose your current SSD as your source and then choose your new SSD as the destination. Then since you want to resize multiple partitions, instead of clicking the "Copy selected partitions" link, drag each partition from the source down to the destination, working left to right in general, but keeping in mind the following:
1. Place your Recovery partition immediately after the C drive if it isn't there already, even if you have a separate D drive after it -- so rather than working directly left to right on dragging source partitions down, you would skip dragging the Recovery partition down to the destination until you'd dragged the C partition down (and resized it if desired; see note below) and then drag your Recovery partition down next to C on the destination.
2. After you drag down a partition that you wish to resize, before dragging down anything else, select that partition in the Destination section and click "Cloned partition properties" to change the size as desired. Then proceed. If you don't do this, then after the clone completes, it will not be possible to resize any partition on the destination disk that had a partition after it; you'd only be able to resize the last partition on the disk into the block of free space there.
In terms of your other questions, EFS and VeraCrypt are irrelevant in cloning operations, so no worries there. There's also no reason to be logged in as an admin to perform a clone operation. If you've been happy using Reflect as a standard user by supplying admin credentials to launch it, then that will be just fine here.
Other than that, your understanding of the process is correct. It is very likely that you can just install your new SSD internally and boot from it, but if not, boot into Rescue Media (make sure you've got a current
Rescue Media disc/flash drive!!) and run "Fix Boot Problems". If it still doesn't work, check your BIOS to make sure it sees the new SSD as a boot device.
If you want to make sure you've got this all correct, feel feel free to post a screenshot of the Source and Destination page of the cloning wizard after you've dragged partitions down and I can make sure that what you've done is correct.