Do you have a source for how often it happens or is this conjecture? I guess this would most often happen through supply chain attacks or physical access, the first not being all that common in my understanding and the latter not being a typical threat model for a home computer. But if you have a source explaining what actually happens, I would love to read it.

I think you’re displaying a very big gap between understanding risk assessment and understanding task completion. So far I have not seen anyone say they would not complete the task. I have seen people complete risk assessment. Risk assessment does not mean I will not do something, it just reflects the urgency with which I will do it. Most self-hosted users can safely apply basic risk assessment to see, while the impact may be high, the likelihood is low. Obviously the likelihood increases the more hands off you are with, say, unattended container updates for things that can escape containers or access the underlying system. Should most self-hosted users literally drop everything, rush home, and apply the patch? No, basic risk assessment does not merit that. Should everyone apply the patch? Yes.