As for the topic at hand...I'm still trying to comprehend any "danger"...
I guess the "danger" is the possibility of losing your recordings. And while I would not want to, it is not the as a big of issue as it used to be. When DVR's came and I had a TiVo Series 1, if you lost a drive or something didn't record, you were SOL until it that episode came back as a rerun.
Today, it is not the issue it was because you can always watch it online or buy it from iTunes. But still I don't want to lose everything.
One thing you have here, and the providers have help people buy into it with larger and larger hard drives, is that we now use DRV's for archiving as much as time-shifting. There are some shows that get watched later the same day or within the week. There are others that will stack up and get watched say over Thanksgiving week when no new shows are on.
If we did nothing but time-shift within a week time period, we would not need 1T drives. Wouldn't need 500GB drives. But the providers included them to entice customers into thinking they can keep 100/200/500 hours of content.
At that point, I think they have a responsibility to do all they can to allow the customer to save their content should there be a box failure. Now they can't do anything about drive failure, but they can about other types of receiver failures.