That certainly makes sense. In my case, I don't run any applications like that directly on my storage filesystem by default. Those sorts of files and directories, including my linux home directory, are on a non-redundant SSD. If there's a failure, I accept the risk of losing that data. 90% of the time the data either doesn't matter, or is redundantly stored somewhere else, such as a git repo. A typical use case is digital photos; I may dump them into my desktop directory at first so that I may view and sort them, and they'll live there for an arbitrary length of time. I simply won't delete them from their SD card until they're copied into the storage filesystem.
Also, I have enough disks laying around that I usually have a 2nd cold backup to wipe. So, I have some inadvertent temporal redundancy going back a year or two.
When I make a conscious decision to copy files over to my storage, I have piece of mind that I'll get physical redundancy within hours, and will get picked up by my cold backup eventually.