In the end, Hetzner is a provider of "cheap but not 100% uptime" infrastructure, probably why it's so cheap in the first place.
As every other provider, if you want 100% uptime (or getting close to it), you really need at least N+1 instances of everything, as every hosting provider end up fucking something up, sooner or later.
Sure they’ll throw you some service credits. But it’ll always be magnitudes less than the cost of their disruption to you.
I've used Vultr for about the same amount of time, and I never got an email that some network switch had a hardware failure and it'll take a couple of hours to restore connectivity, but I've had that happen with Hetzner more than once, in the same time-span. And again, I say this as a Hetzner-lover, and someone who prefers Hetzner over Vultry any day of the week.