I get that. But in practice, it hasn't been a problem. For files I consider critical and difficult to replace, I use SnapRAID or par2, and others are either used frequently and I would notice the corruption, or replacing them wouldn't be a problem.
Using a smart filesystem would be an improvement, but it comes at the expense of less flexibility and more complexity, and, until recently on Linux at least, relying on unstable software.
Where the hell are you getting this from? What instability has existed in ZFS on Linux? Are you confusing it with BTRFS or something? I think your fears of ZFS are seriously misplaced.
Using a smart filesystem would be an improvement, but it comes at the expense of less flexibility and more complexity, and, until recently on Linux at least, relying on unstable software.