I am working on my desktop or laptop, I get a power cut or the laptop battery run out, when I reboot the filesystem is unrecoverable and I loose 4 hours rebuilding the system and recovering from backup.
So it is not really about loosing recent files but the potential time lost (usually at the worst/busiest moment).
The fsck can be a bit annoying compared to rebooting with a journaled file system, but it has never failed to recover for me.
The "softdep" (soft updates) mount option was eliminated in release 7.4 and I cannot say whether that has made the file system more or less reliable but the stated reason it was removed was because it was poorly understood and complex code. "It is too clever for us to continue maintaining as it is."