Everything is predicated on your risk tolerance. in a homelab, I have no real qualms about running a simple ext4 filesystem on a single HDD. like you, I dont remember ever losing a single bit (at least not being aware or impacted by it)- but similarly I spent the entirety of my youth driving without a seatbelt and nothing ever happened to me.Yes, I’ve had a couple of disk issues/RAM issues, but I’ve NEVER LOST a single bit.
In a business it is stupidly negligent if not against your business insurance policy prerequisites outright. A 0.001% risk that can be easily avoided must be avoided.