It’s a tradeoff between money/performance and the frequency of crashes, corruption etc.

Bit rot is just one of many threats to my data. Backups take care of that as well as other threats like theft, fire, accidental deletion.

This is similar to my reasoning around the recent side channel attacks on intel CPUs. If I had a choice I’d like to run with max performance without the security fixes even though it would be less secure. Not because I don’t care about security but because 1% or 5% perf is a lot and I’d rather simply avoid doing anything security critical on the machine entirely than take that hit.