and I'm not sure there's a huge rash of heater failures (of course it can happen). So - though I completely agree with you that there is a theoretical possibility that a cheap heater would fail in reality IMHO - there is no difference.
I honestly don't get these debates. Basic facts are ignored to validate an opinion instead of just a simple "wow never thought about it that way".
The advice is not theoretical or anecdotal - it is simple fact of operating principle and applied logic, verified by decades of evidence.
Temperature controllers are designed to switch a high current load on and off hundreds of thousands of times without failing.
A hobby heater heater is designed to be cheap and uses a bi-metal strip that acts as both the thermostat and the electrical contactor. This crude device takes a beating due to the thermal cycling (bending back and forth as part of its operation) and the large arc that occurs on every make and break cycle. The arc erodes the contact point and the constant bending back and forth causes metal fatigue. Failure is guaranteed.
There are (3) common failure modes.
1 - the contacts weld shut, leaving the heater on.
2 - the contact breaks due to fatigue and falls into the leads, leaving the heater on.
3- the contact breaks and falls away leaving the heater off
These failure modes account for close to 100% of hobby heater failures and limits their useful lifespan.
The internet is littered with failed ON heater threads. It is not a "rash" it is just the simple reality of their design and operation.
If the thermostat on the heater is set to just above the controller's set point, the bi-metal strip is pressed against its mating half to make contact. It stays that way unless the controller fails on (extremely unlikely). There is no arcing or metal fatigue and nothing to fail except the heating element itself.
Lastly -
If inkbird controllers are failing, then they are junk too - but that does not negate any of the logic above and in fact makes my suggestion even more relevant and further erodes your point.
By using the "controller" as the fail-safe and the heater as the "controller" you are simply putting it in a position to fail AND relying on (by your account) a controller that is likely to fail too. Thus, you are advocating using a heater in a mode that is likely to cause failure along with a controller that is likely to fail! That is not logical (at all). The smart thing to do would be to use the "likely to fail" controller in a mode where the heater is NOT likely to fail (using it as a fail-safe where the internal thermostat is not exposed to electrical or mechanical failure).