This was sort of the idea of some of QNX. The kernel never crashed, but display, keyboard, networking, uart, etc was all user space. So yes you had a kernel that never crashed but frequently turned into a useless brick until rebooted
I had a situation in a car where the infotainment went on a crash loop. The infotainment. I was very glad the car stuff like odometer(which is also a display) and basic functions continued working.
Anyway my computer is not a car, nor my car is my laptop. The older i get the more i like the answer "it depends", because reality is like that, not pure or IFThisThenThat. It is a network of lots of knobs(weights) that together give a context dependent answer.
