So, if a card becomes read-only, the camera will obviously stop recording. The Viofo cams (and presumably others) beep/flash and/or display a warning message if there is a problem with the card or the camera isn't recording. Right? (My A119S V1 didn't like a new Panasonic card and displayed "Memory Error", so I knew it wasn't recording and replaced the card with a SanDisk Ultra which does work.)
It's
possible a card might go bad the very moment someone pulls out in front of you, but I'd think you'd have better chance of winning the lottery that morning then getting struck by lightning that afternoon.
Another $25 or so for the "recommended" card is nothing to me - I paid more that that for lunch today! But, I have a hard time buying another memory card simply because it says "high endurance".
Also, how hard could it be for the manufactures to add code to the firmware that reads immediately after a write to ensure data integrity. If the integrity check fails, display a warning message. That way, if you start getting errors the the written files are corrupt, you'll know it's time to replace the card. This ain't rocket science.