There's definitely a difference in magnitude in how likely crap software is to set the world on fire and ruin your day between Win95 and Amiga.

One big problem is that Amiga "multi-tasking" while not co-operative like Mac or Win 3.x, can be switched off as a convenience for programmers. So all that needs to go wrong is a program switches off multi-tasking to do something and then gets stuck before restoring it. The program which crashed is dead but you can't fix that because it turn off multi-tasking.

In all the years I used an Amiga, I don't think I ever had the machine crash because they used Forbid(). I'm not saying it never happened to people - I'm sure there were badly misbehaving programs in use -, but using Forbid()/Permit() outside of very tight sections was very firmly frowned on, and Forbid was overall relatively uncommon apart from games which took over the system on purpose.