Why this and not that
Not a remote URL in the layout area: an image area holds an image from the site's own library, by id, and that is what lets the platform resize and serve it. Images hotlinked inside rich text are a different case, handled by the import setting in the related how-to. Not duplicate=smart, although the 409's message suggests it: this route accepts only use, update, rename and error, and anything else falls back to the site's default. Not a base64 string in a JSON body: this route reads a file part, and base64 makes the request a third larger. And for an import, upload each image once with duplicate=use and keep a map from the source's file names to ids, rather than uploading the same file for every record that uses it.