basically the reason I like my filesystems a few decades old and mature, I would not trust zfs or btrfs with anything critical.
I have been running ZFS on macOS (OS X), illumos and Solaris for a good 7 years or so now. A major part of the reason I switched over fully, despite some warts, was that I experienced actual and significant data rot from stuff I was carrying forward under XFS (IRIX), HFS, etc. I don't consider my personal stuff to go back that long, but I still have things from 1993 or so that matter to me. I did a review around 2009…
Requirements:
1. Checksumming on all files
2. Minimise assumptions of ram correctness
3. Disc replication (soft raid 1)
Out of scope:
* Snapshotting
* Subvolumes
* Deduplication
As much as I love subvolumes and snapshotting, I feel like CoW probably adds too much complexity to make it (easily) reliable. Honestly I don't know why turning off CoW on BTRFS disables checksumming, so if anyone can shed some light as to why this is, feel free to point out that my requirements are far more complex than I think.