Yes, I agree with much of what was said above, let me add.....
With a hub motor, you will make it home even if:
1. Your Chain breaks.
I have never broken a chain across I think 8 mid drive bikes that are subject to pretty extreme use. BUT I also carry an entire spare chain. Its in its original package so its very compact. Also a mini chainbreaker and a couple of spare quicklinks, so even though I have never used it, a broken chain is not a showstopper. This is an extreme but as a rider who has to depend on his bike daily I have learned to trade a bit of weight for certainty. Less committed riders just carry a chainbreaker to shorten a chain if it breaks. You can always get home on a single gear.
Doesn't have to be one of my behemoth cargo bikes to make this practical. My little Apostate has chain and all tools in the back pouch. Its a tubeless setup but you see I still have a tube strapped on back there. I believe in redundant backups across the board whether I need them or not.
I have never seen this happen. If you mean strip as in the threads below the cog, only hub motor bikes should be forced to use freewheels. Cassettes don't have threaded cogs. Freewheels went the way of the dinosaur in favor of cassettes until Cheap Far East ebikes revived their use. If you mean stripping the actual teeth off a cog, never seen it happen. I cracked an 11T cog once but it held together fine and I only found it on a postflight inspection. A $7 item. BUT that was an alloy cog used before I found steel cassettes. Nowadays that can't happen with a $35-$45 Microshift cassette that has all steel cogs right down to the 11T mini.
But as I've said earlier, to get an absolutely bulletproof mid drive
you have to think thru your build and pick parts that don't break. People break things because they don't know enough to make the right choices but build it anyway with the wrong parts.
This freewheel failed on one of my hub motor bikes (My steel-frame Sondors, in 2017). It split apart less than 2 miles from home and froze the rear wheel solid when it came apart. I had to carry it home. But that is not the fault of the hub motor and I can't blame hub motor ebikes for the component failure. A hub bike can go down just as hard from a drivetrain failure.
3. Your derailer fails, or gets smashed.
True of any bike including hub motor bikes. Since the derailleur is on the return side of the drivetrain, it is not subject to the torque a mid drive applies. So if you smash into a rock going downhill on any bike or ebike, you are walking.
Now, the hub motor can keep going so long as the freewheel is not damaged. Granted. But think for a minute whether this is a real benefit: For many decades just plain bicycles were around and they ALL suffered from this potential for disablement, and still do. It didn't stop anyone from riding bikes, right? Or buying bikes with derailleurs either.
4. Your derailer cable breaks, and you are stuck in top gear.
Every bike ever built with a derailleur has the same potential. Derailleur cables are under no duress from a mid drive. So this is a reason for not riding any bicycle if you concede it as a real thing to worry about. It DOES give a hub motor bike an extra fail-safe, but not much of a real-world risk. And even in the lowest gear you can still ride home just fine. Just slower.