I've been really enjoying claude design but my biggest critique of it (and frankly how vanilla claude handles files in general) is that it has no native conception of git-like version control. In code land you can work around this with harnesses so there's only so much harm claude code/opencode can do, but to your point in small biz land when it's putzing around with a system of record without rewindability, things could get really messy really fast.
A couple more thoughts here - the hard part is not just the data side of it, it's replaying/unplaying actions. Many actions are non-reversible. Code is clean in the same way that google docs is clean. But for many business processes, some actions just can't be unwound once started. If claude initiates a wire that it shouldn't, no amount of git technology will undo that wire.