Well I use Mac these days, but I've used FreeBSD and Linux in the past as a desktop and don't remember this at all.
In the unlikely event everything locks up and dies then mostly I'll just lose vim sessions, and I can vim -r to recover the data. This is rare, and vim complains at you when you start it up on a file after it has crashed.
You'd lose the window layouts, but I don't use crazy window layouts, generally no more than two panes for code+tests (running tests I let it flip to fullscreen and scroll and I've got that bound to a key combo in .vimrc). If I had crazy window layouts I'd probably setup a command alias to make it easy to pop them up.
When it comes to commands and such, I just use the command history which is my memory. When it comes to running daemon process I would detach them if I cared (and generally I've got command history so I don't care, I'll just restart it, no matter how arbitrarily complicated it was to get the command running).
Similarly, though, I don't horde tabs and I HATE it when the O/S starts popping open all the windows I had open after a reboot to upgrade the O/S or whatever. I try to run pretty much "statelessly" so that I can wipe everything and start over from nothing easily enough (obviously not really "statelessly" since e.g. slack remembers all kinds of state about what I've done in the past, but I don't have to remember any of that)
And my memory does suck, but I know how to pull things out of command history, internet search, google history, etc. If I need to track stuff, then I use a tool to track it so that it becomes persistent (Zotero has now replaced my folder full of PDFs, I take notes in Obsidian). I don't know what I would ever lose in a terminal window that I fundamentally couldn't get back (and if I ever really needed something such as some unique failure I'd probably take a quick screen shot or copypasta into a note file somewhere -- I'll commonly copy test failures into code comments temporarily while I'm working on them -- sometimes these get promoted to documentation in particularly hairy edge cases).
So I literally just pulled up iTerm in activity window and force killed it and I have no idea what disappeared, but I don't care... Based on the saved command history I can see I likely didn't lose anything at all...