You can still heat the water to your desired temp add the tea bags after. I don’t understand how your first point has relevance between a kettle vs microwaved cup

Yes you can easily boil water in the microwave.

The explosion isn’t a real common occurrence, otherwise you’d hear about it much more. Steam from a kettle can harm people as well

You should try tea that isn't shocked... Green tea is especially bitter and unpleasant if the water's too hot. The recommended temperature is 80°C, if I remember right.

But even black tea tastes less bitter if you use slightly rested water after boiling (and if you remove the teabag without squeezing it out). You're probably used to teas being astringent, but they don't have to be. They can be smooth and "rounded" and rich.