I would agree it is far more common when updating an app rather than the OS. In my case I have seen issues probably on 3 occasions since I first started using macOS for both work and personal use in 1999. A clean install of OS is not required, but for me is more of a preference, “a blank, sanded, re-skinned and primed surface as opposed to painting over wallpaper”
As I test beta versions of the major macOS releases to ensure my in-house software is compatible I have become somewhat proficient at clean installs (takes about an hour to rebuild my system) and have had to do so on occasions where beta updates have rendered my mac unusable or a critical app refuses to run and I have to revert to a production release.
Again not necessary but a preference for me (a bit of OCD in there as well I think….)