Also in 5 years of working on both microservicy systems and monoliths, not once has these things you describe been a problem for me. Everything I've hosted in Azure has been perfectly available pretty much all the time unless a developer messed up or Azure itself has downtime that would have taken down either kind of app anyway.
But sure let's make our app 100 times more complicated because maybe some time in the next 10 years the complexity might save us an hour of downtime. I'd say it's more likely the added complexity will cause more downtime than it saves.
