That's way higher than my experience.
I had a kernel update break a memory management API that JavaScript engines use about a year ago, and then before that my last kernel induced update breakage was in like 2012 with fglrx.
That broken kernel update also would not have made it into more conservative distros, as the change was rolled back 5 days later.
Meanwhile I have previously experienced the windows issue in this topic in like 2019. The windows 7 installer created even smaller reserved partitions than the windows 10 one (100 Vs 500 mb iirc), so users with systems upgraded from 7 to 10 would have seen this sooner.
And for completeness sake I've also experienced OS X fail at updating to High Sierra as that updater didn't like something about the way my employers provisioning software had set up the partition layout some years earlier.