I guess the only way to find out if it happens is to get in the trenches and try it. Hopefully I won't ever loose a MOBO.
Whatever isn't deemed as probable still has a scary potential. I'm attempting to plan for the worst. I will eventually be changing computers one day unless something unprobable happens to me or my funds.
When I think about it. If any system could easily be duplicated to new hardware someone somewhere would likely be duping entire daws and selling them. This is what Windows is trying to avoid, hence the verification process. I have no issue upgrading an OS with a new computer. I just wish the restoration process was easier. It usually takes at least a day for me to fully load new daw with all my stuff and I have even more stuff now.
Hopefully we all we need is disk backup if that.