If you would be a newbie, I'd understand this post. But anyone long enough around should know that most services need 3 confirmations (some years ago it was 6) and anyone knows that orphaned blocks do happen.
Also a replaceable transaction, one on which RBF can be made, has a special flag, allowing the recipient get warned to be more careful (yes, a proper wallet shows that)
But it's easier to panic and spread panic than read and learn...
Orphan blocks happen all the time. Yes I know this, I said nothing about that because its common knowledge.
What I explained were the consequences of having an earlier lower fee tx be the one in the longest chain. This means RBF provides no guarantees, it means that in BTC you must wait for confirmation - as you restated.
If that makes you panic you should probably ask yourself why.