I'm not arguing with you. I'm not trying to tell you or your company to change its policies. I'm only relaying what I've seen from a large number of users who have ended up with files that are corrupted to the point of being unrecoverable. In the last week I personally dealt with three or four different users who had been working with files saved directly to network servers. In each case the files were no longer viable.
It doesn't seem to be only when a manual save is performed. Often the problem appears to happen during auto-save.
I'm not telling anyone what to do regadring this. Only what I've seen from other users. I've seen enough problem files from others that there's no way I would work on files saved to a network server or the cloud. I would always download them to my internal drive to work on them and then upload back to the server or cloud location.
You're right that a local drive can die but it isn't as common an event as a break in a network connection. I back up all of my files to a second internal drive and also publish them to my Trimble Connect storage just in case.
I'm glad you've never had problems and I hope you never do.