I would agree with you if I didn't run my stuff the way I do (and I'd use zfs or maybe ext4). Pretty much all my important stuff is on a raidz6 file server with a secondary backup raidz6 file server locally pulling backups each night and backups being sent offsite streaming throughout the day. My dotfiles are synced to my local private git repo via yadm (although if I didn't have this system running already I would probably take the time to figure out nix home manager instead of yadm right now). I have a bunch of bash scripts I wrote to automate the most annoying parts of reinstalling as well, so what I am really risking by running bcachefs is about a half hour to reinstall cachyos on whatever system eats it and possibly some minor configuration changes I may not have synced to git via yadm yet.