I've had Apple silently delete music from Music when I had iTunes Match, and I've stayed paying for Dropbox despite wanting to use iCloud, which would be no extra cost for me, because their mechanisms for dealing with conflicts are different - Dropbox saves a version with "Name's conflicted version 2024-04-26" in the filename, whereas AFAIK iCloud silently decides what to keep and drop so you can't manually decide how to merge a conflict.
I too find it hard to imagine how someone can lose all their passkeys three times, and I guess they may be doing something funky given their profession, but I think many of these events just happen too easily in the Apple ecosystem and my trust in them managing things like that is relatively low - hence my use of 1Password instead of iCloud keychain. The Music thing in particular really stung as I never got a good handle on what was missing - I'd just occasionally come across a "this file is missing" error when I tried to play a song, and I'm left with this kind of cloud of unknowing when it comes to my Music library.
I too find it hard to imagine how someone can lose all their passkeys three times, and I guess they may be doing something funky given their profession, but I think many of these events just happen too easily in the Apple ecosystem and my trust in them managing things like that is relatively low - hence my use of 1Password instead of iCloud keychain. The Music thing in particular really stung as I never got a good handle on what was missing - I'd just occasionally come across a "this file is missing" error when I tried to play a song, and I'm left with this kind of cloud of unknowing when it comes to my Music library.