I reboot my Win10 machine when there's a power outage long enough to run the UPS down. So probably about once a year.

I haven't had the experience you're describing since everything moved over to NT. I.e., Win95/98 did that for me, NT4, Win2000, XP, etc have never exhibited that behaviour for me.

I think this take, as a generalization, is a couple decades out of date.