I would agree with your logic, however the event that started this thread was caused by a shroud pin falling out, that type of thing could happen anytime, racing or not.
My logic would also say that if you are going to race your boat and push it then you would likely take greater care when it comes to maintenance etc. I also wonder that during a racing scenario a helmsman might have to steer a course that might push the rig harder because they are impeded from a less risky course due to another boats position. A casual sailor wouldn’t likely have to do that as much.
(I don’t race so take my comments for what they are worth
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If the failure is weather related I can see a racer mindset staying out in “challenging” situations where a more casual sailor might reduce sail earlier and/or head for shelter.
Does cumulative stress of pushing a rig have much of an impact??