It seems like a lot of new eBike riders have a fair amount of that sort of angst. While there may be some truth to the newness of the technology still causing some bumps in the road, it's just not that big of a deal. Every vehicle has a problem once in a while, and you take it to the mechanic or repair it yourself....in other words, you deal with it. A charger is no big deal compared to, say, the chronic valve seal problem the Pontiac Fiero had, which cost a lot of people a lot of money including premature purchase of new vehicles. I predict that the basic, expensive parts of your new bike will prove to be very reliable, as most of ours have.
I had one of the bad chargers. After 1-1/2 years, the charger simply failed one day -- I walked out to go to work one day, and the bike was at 53%, not having charged all night. I drove the car to work, called the motorcycle tow truck after work to haul it to the shop, and it was repaired in a couple of days.
I think that kind of anxiety is just due to it being a technology we're not used to managing yet. But it's really no different than any other vehicle, if it breaks, you fix it. And in truth, they're pretty reliable and getting more so.