I’m using Tumbleweed, the one issue of rolling release (things occasionally breaking) [...]

My 5 cents is the risk of breaking is overblown in many cases. Of course, you don't want important servers to break. But I am running Debian since 15 years and in fact, for me it broke more often than Arch, for example because of GNOME issues, or NVidia issues. And well that's a biased sample because I use Debian for a larger proportion of time. I think for desktop users, it matters more to have a backup system.