What you’re describing hasn’t happened to me yet with Home Assistant luckily, even after 5+ years of running it. I can’t remember an update ever breaking any of my stuff. I’m running a docker container though so YMMV. Might be different with the other install types.
Me neither, but I'm running the HA Yellow dedicated low power hardware instead so I can keep it running off my battery backup longer just so it lasts as long as it can along with my internet during outages.