To be honest I just clone and unwrap everywhere when writing the first iteration. If I care more, then I'll refactor to remove unnecessary clones. I really haven't felt the pain of the borrow checker like some people say.
After you've written your X thousands line of code in Rust, you won't clone/unwrap by default, but just immediately write correct idiomatic code that most often compiles on the first try and doesn't trigger any warnings or clippy warnings, without any added effort. As any other skill, it's just a matter of a bit of practice.
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