There is no logic to this statement.
If your all-SSD drive fails, you lose everything.
If your all-HD drive fails, you lose everything.
If your Fusion logical volume fails, you lose everything.
There is no difference whatsoever in your "risk" between a Fusion Drive and a hard drive, since there is plenty of documented evidence that proves HDs are more prone to fail than any other type of popular storage drive.
The "solution" to the Fusion drive "problem" is -- amazingly -- to make a backup. Gosh, that's just like what you should do to avoid data loss from a "pure" HD! Or a "pure" SSD! Amazing!
If you have an SSD and if you lose that SSD you lose everything on it.
If you have an HD and if the HD fails, you lose everything on it.
If you have both an SSD from which to boot, and an HD holding data, if you lose the SSD, you lose the data on the SSD, but the HD is fine. If you lose the HD, you lose the data on the HD, but the SSD is fine.
If you have both an SSD and an HD and you have them in fusion, if you lose EITHER of them, you lose the data on BOTH of them. That's the nature of fusion.
Now, given that the reliability of a fused drive is the PRODUCT of the reliability of each one independently, a fused drive MUST be less reliable than the individual drives themselves. Consider, if the SSD is 99% reliable and the HD is also 99% reliable, the reliability of a fused drive is 98% (.99 * .99).
For comparison, if you have an SSD and an HD, use the SD to boot and put data on the HD, the probability of losing EVERYTHING at once (both drives failed simultaneously) is also a product, but the product of the probability of failure of each drive. IN the example above, that is .01 for each, so the product of the two is .01 * .01, or .0001.
So, give the same equipment, an SSD and an HD, if each is 99% reliable, the probability of losing EVERYTHING is, if fused, 2%, if not fused 0.01%.
Now drives are much more reliable than 99%, so I did the math assuming 99.999% reliability. The probability of losing everything if fused is 0.002%, if not fused is 0.00000001%.
So I stand by my statement that fused drives must be less reliable.
And yes, backups are important, even more so in a fused drive because the probability of failure is higher.