You are quite right. Loadiing or even trying to load unsupported software is very risky. I took a calculated risk in trying to load kdenlive latest version from the community repo. The reason being that the build was put up by wolfi323 who is a Global Moderator in this forum and in a post in another thread he had remarked that the version would work on Leap 15.3. I certainly have no idea why it did not work for me.
By the way I have another line of defence - I keep my data, info, working files etc on a separate partition. So even if the OS has to be totally reinstalled and takes some time, that is all there is to it! Actually it happened to me once quite a few openSUSE releases ago. No, I was not trying something risky but something went wrong.
PrakashC