I've been on Linux some 28 years now, and it used to be like that¹. But today? I haven't had a kernel or graphics driver update failing on me for years. Maybe 10+ years? Granted, my Linux is the most boring, hardly-configged Unbuntu LTS. Boring hardware. Boring drivers. Everything optimized to "Just Work" - My machine pays my bills and if I'm down for a day because I fiddled around with some fancy custom trackpad module, or special Bluetooth whatevers, it's costing me actual money.
I'm certainly in my terminal 80% of the time (developing in nvim etc), so can't say much about how much it is needed by someone who doesn't know or use that terminal.
¹ My personal worst was at a conference doing a presentation for a 200+ audience having to recompile X, while entertaining the audience, because the beamer wasn't found and X crashed on it.