I have similar usage habits. Not only has nothing like this ever happened for me, but I don’t think it has ever deleted anything that I didn’t want to be deleted, ever. Files only get deleted if I ask for a “cleanup” or something similar.
Anybody talking about AI safety not being an issue, and how people will be able to use it responsibily, should study comments such as these in this thread. Even if one knows better than to do that, people on your team or important public facility will go about using AI like this...
It has deleted a config directory of a system program I was having it troubleshoot, which was definitely not required, requested or helpful. The deleted files were in my home directory and not the "sandbox" directory I was running it from.
I knew the risks and accepted them, but it is more than capable of doing system actions you can regret.