I'm sorry that your tank crashed - that really stinks - but hopefully people will learn the lesson here.
Heater Facts:
1. When Heaters Fail, they almost always fail on.
2. Failing On is way worse than failing off - because a tank is typically less than 10 degrees warmer than ambient. A tank dropping to 74 degrees over 12 hours because your heater failed off and your house is 68 is way better than having your tank rise to 90 over the course of 3 hours because a heater failed on.
3. Both heater thermostats and relays have a limited number of switches. They don't fail by "working hard" - they fail by turning on and off. Narrow temp ranges or bigger heaters means more switching, and quicker failure.
Lessons:
Having a heater that has to run 100% of the time to keep your tank where you want it is not a bad thing - it is the best possible case.
Having extra heating capacity does not lessen risk - it increases it. Having more capacity than you need is dangerous. Have only the heaters you need in the tank. Do not put an extra one in "for redundancy".
Run monitoring. Set your heater controller to run, say 78-79, and set up a monitor so that at 77 or 80 you get a text message.
Keep a spare heater in the closet - NOT IN THE TANK.
97? How big of a tank and how much heater did you have?