Bitcoiners have less to fear from boating accidents, and more to fear from getting hacked. It is scary that your Microsoft Windows® machine is just one careless e-mail attachment click away from scrambling all of your data, and sending all of your money to heinous criminals who know how to make money disappear. Dont you wish that you had bought a hardware wallet? Such grief!
while i agree windows is the biggest OS for hackers to target, i have to say ive been running my original wallet.dat on core in a 24/7/365 on internet connected windows machine since 2011. no issues.
to be fair, i did transfer the bulk onto paper wallets when they came out (2013 maybe?) there has always been a small balance on that daily driver with the wallet, and its been transferred to a couple machines during upgrades/rebuilds. its still on this one as i type. small amounts, mainly for mining payouts and such.
just keep it patched, use decent antivirus (but dont depend on AV to save your ass, just another layer of security, REAL security depends on the user) and dont be stupid, ie practice good internet hygiene.
oh and BACKUPS. and then TEST those backups.
that being said, hardware wallets and paper wallets, airgapped (as in
real airgapped as just "mostly airgapped" doesnt count) computers rule though. i certainly dont advocate hot wallets on windows though.