Install Armbian on an SD card. In Armbian-config, you have several choices to install from there, one of them is "boot from EMMC, rootfs on NVME" or something similar to that, I forget the exact wording. Basically the boot files are on EMMC and everything else is on the M.2 It is very fast...
A new design heatsink and fan combo is available for the NanoPC-T4 from Friendlyarm
https://www.friendlyarm.com/index.php?r ... uct_id=263
I've had it ordered for about 3 weeks now, still waiting for delivery