The vast majority of computer users, Windows users and otherwise, have experienced some form or another of data loss. I'm just being fair to Windows (and you!).
To go back to your example, you lost your work after Windows decided to silently update and reboot overnight. Now the million dollar question: Why didn't you save your work before you left?
A blackout or a drive crash or any number of failure cases could have happened instead and you would have still lost that unsaved data, too.
You're going to eventually lose any data you do not explicitly save. To put it another way, any data you don't save should be data you don't mind losing.
Windows 10/11's autoupdates are fucking nonsense, but data loss of the kind you're speaking of is by far a case of PEBKAC in my opinion. If you lose data overnight, that's because you didn't take basic steps to save and protect your data.