Saraa-x7f Let's distinguish between Disaster Recovery and System Maintenance.
When Windows gets unbootable due to a corrupted driver, a botched update, or a registry mess, having C: separated means you can fire up a PE bootable USB, run format C:, re-image the OS partition, and keep moving. Your game libraries, raw photos, and local repos on D: remain completely untouched.
You avoid writing tens of gigabytes of temporary setup data onto the partition holding your important files. Is it hardware fault tolerance? Absolutely not. Is it a massive time-saver during OS-level recovery? 100%.