Is the 'hands-off' recovery not good on the DJI platform? I've always used OpenPilot FCs so have no idea how well the DJI FC works, but the OP hardware will fully recover from stupidity if you let go of the controls (while not in acro mode).
Fail safe works reliably in my experience - but it doesn't save from risky flight in the first place. I think YMMV, but I've yet to have an in-flight failure that resulted in crashing or losing control. That being said I'm overly cautious about inspection and maintenance of the craft I own.
I'm not disillusioned though - it will happen, I'll lose an ESC mid-flight and I'll have to deal with trying to guide an uncontrollable aircraft that I may not have line of sight on. Pretty much next to impossible to guarantee anything in that situation.