I know there are lots of new folks so I'll try to re-explain stuff that we've gone over a few hundred times before.
#1, it's almost NEVER a nozzle clog. As long as you don't cook and burn the filament or have dirt, dust, and lint follow the filament into the extruder, and also don't get filament with dirt embedded in it, then the nozzle should never clog.
#2 On the 5th gen, the #1 cause of ALL clogs is BEFORE it even goes into the hotend. Basically, just below the drive gear and bearing idler setup, there is a plastic filament guide tube. On top of the hotend sits a molded plastic part that also forms the filament guide path and this part holds the magnet used for homing and rides up and down with the hotend. The problem is that the bore of that plastic part is barely larger than the raw untouched filament going in. Any deformation or larger diameter of filament will bind in this narrow bore. Since it's DEEP inside the extruder and in between the pinch gears and the hotend, it is extremely hard to access.
What happens is that unloading filament or a retract will pull molten and deformed filament up into this narrow place and then solidify and block the hotend.
You can try poking a thin wire up through the nozzle, up through the entire hotend, and maybe the now hot wire melts that clog above the hot zone and pulls it back down clearing the path. It's important to note that the plastic bore is tapered the wrong way, meaning, that if the filament is deformed you will never in a million years force it up. The only path is back down and melting through the hotend.
Key here is methods of prevention:
#1 NEVER unload filament, only cut the filament and feed in new filament behind it.
#2 Baring that approach, ALWAYS, ALWAYS, ALWAYS feed forward for at least 10-15mm or more BEFORE removing filament. This way, no melted filament will follow back out.
In most cases of a severe jam in the Z homing device area, the ONLY method is disassembling the extruder and mechanically clearing that part since the taper of the hole is in the direction of the hotend.