Another vote for just cloning OS to new disk if all other conditions are satisfied (properly working system with a lot of installed programs/APPs) I'd suggest making a full backup using Macrium Reflect and restoring it on new drive.
Using an older W10 disk/usb to do clean install would also have to download a lot of updates, maybe even full upgrade and things may go wrong at that time. It would be best to download latest version and use it fo clean install.