If you have a lot of users who store data on an experimental filesystems and who don't back up said data, yet are not cool with data losses, I would say you have a
serious communication issue at hand.
I have lost years of my work due to not having proper backups. I know the pain.
And I totally get you feel responsible for the data loss and want to help your users, I'm like that too with my code.
But this is an experiment. It's right there in the name.
If this feature really is as needed as you claim here, then getting it into the kernel is a mere side-issue.
In that case, your #1 priority should be to fix whatever is causing such users to install and use bcachefs without having a recovery plan that they have verified, and get existing users on the same level.
Because not doing so would be a huge disservice to those users who don't know better, and at worst borderline exploitative.
Writing recovery software is part of the job. Forcing it into the kernel to save users who are clearly not in any shape or form competent enough to partake in your experiment is definitely not part of the job.
Finding yourself in this position means something has gone very, very wrong.