Agree with both of these statements. It is easy to get back
PROVIDED you set yourself up to do so with an encrypted, archived backup.
If you don’t spend the time to learn how to be able to restore to a “stable” release, you pretty much deserve whatever happens to your data.
But, as
@JCCL mentions, the risk to most operational data is pretty slight now, with most of it residing in the cloud. The biggest risk is to your health and fitness data, which can only be archived via an encrypted backup (and even then you would lose whatever data was generated since the backup was created).
The biggest barrier to uneducated participants using the developer beta is the cost of the developer program (US $99). I think that is why the MR team is relentless in removing posts advertising where you can get the developer profile for free. They don’t want to be accused of facilitating someone losing their data or, worse, having a phone incapable of, e.g., making emergency calls because an early beta messed up the phone app. During the iOS 13 early betas, my GPS was completely messed up. Maps had me driving across farm fields and lakes. Had this become an issue for me (i.e., if I really needed maps to go somewhere I was not familiar with), I would have had to revert. Imagine that situation if you had to navigate to a hospital in an unfamiliar place. (I had the vehicle nav as my backup)