A major distro breaking your system is the equivalent of a flower pot falling on your head walking down the street. Does it happen? Sure. Do I want to spend my life wearing a motorcycle helmet and looking up all the time? No.
I’m not saying distros can’t crap on you, I’m saying stop tolerating it. Raise a stink or switch distro. There are distros out there where you don’t have to live in constant fear and where nothing happens if you don’t have snapshots.
I do have backups, precisely because shit happens. But there’s a difference between a helmet and health insurance.