I have to say that I agree.
While I'm relatively sure that of all the installs worldwide the problematic examples we see are probably still a very small statistical portion.
This is an interesting situation for discussion.
Do you have actual numbers which suggest there are x number of problematic systems for each posting on this forum?
Is any info gathered for the worldwide occurrences of such a problem?
If there were one know cause I assume Microsoft would have made that public. I have not seen anything which would seem to indicate Microsoft has any idea of what or why such problems were occurring. I am disappointed in that, with all the telemetry they receive, no solution has been identified.
It is really frustrating for folks trying to help in these forums, who have not experienced the situation themselves, to provide informative guidance.
As you mention, a good backup plan is the only way to protect yourself.