Trying to teach myself general relativity and have just hit yet another confusion. I'm reading that in curved spacetime the energy-momentum tensor has zero divergence, ie
$$\nabla_{\mu}T^{\mu\nu}=0.$$
But that this doesn't imply the total conservation of energy and momentum as there is an additional source of energy (the gravitational field) that isn't included in the EMT. If that's the case, and if the EMT doesn't describe the total energy of system, how is it valid to use the tensor to describe various systems. For example, $$T^{\mu\nu}=0$$ for the Schwarzschild solution, or assuming spacetime is a perfect fluid in cosmology? How are these assumptions valid if they don't include the energy contribution of the gravitational field? Seems a bit of an elephant in the room-type situation. Or is that energy so small it can be ignored?
Thank you