I ended up in the same situation too, but discovered relatively quickly that NixOS makes it really easy to build clean VMs from your config that you can run and test against, then when validated, you apply the configuration to the actual hardware.
I'm doing this for all my servers managed with NixOS right now, and managed to prevent multiple issues being deployed, including something that would prevent a clean boot and since the host is headless, would have required me to connect monitor and keyboard in order to recover.
Really glad NixOS is setup the way it is, although you're right the learning curve is rough. At least I can easily re-install my infrastructure really trivially, which helps me sleep at night.