Same, I dual booted for almost 10 years on 3 system machines and never once had it happen. But I’ve seen it reported before, so it’s something to be aware of.

A mitigation is to have a Linux live USB to boot into to reinstall your bootloader (GRUB, systemd-boot, etc, depending on distro). I haven’t heard of Windows actually destroying partitions or data, and perhaps it doesn’t do it if your boot partition doesn’t look like a Windows boot partition (e.g. it’s a different filesystem), IDK. But learning to reinstall the bootloader from a live CD isn’t that hard (usually just running one or two commands).

So, you’ll probably be fine, just do a little research first if you’re nervous.