> In the stash case, `git reflog` would immediately allow you to recover the lost stash.

Stashes don't go in the reflog, you cannot recover them with git reflog, so you're automatically in the 'deep shit' category if you lose them. Hence the statement that stashes are dangerous.

You do still have the safety net of fsck, and knowing that it's possible matters, as you point out. But, my experience with people who mess up stashes has been that fsck is so intimidating they'd rather re-create their changes. Silly, but true.