I've never liked that logic - don't own something nice because something may go wrong with it. Forget that. If you want bells and whistles and niceties, get them. If something goes wrong, it goes wrong. You'll deal with it then. In the meantime, enjoy your extras. They may never go wrong and then you would have gone without something you wanted. The logic is a never ending regression, where do you stop? Should we have crank windows because something can go wrong with power windows?
I say get all the options that you personally want. If you don't want them, understood. But if you want them, don't let the fear of "more things to break" stop you.
2017 Infiniti Q50 Red Sport 400 RWD, Iridium Blue/Black leather
1999 Nissan Maxima SE, Icelandic Pearl White/Black leather - Supercharged 4AT (322 WHP / 307 WTQ)
2001.5 Audi S4, Santorin Blue Pearl/Black leather - Bi-Turbo 6MT AWD (300+ BHP)
2003 Acura TL Type S, Metallic Gray/Black leather - 5AT - Daily Driver