Exactly. And my claim is that installing a hypervisor and then running HA on top of that will not bring you any more unplanned downtime than running it bare metal. So in the event of unstability, it will actually get you back online faster.
One could also argue that virtualization brings more uptime if you have unstable systems, like when the latest supervisor was pulled. A snapshot-based restore would have you up and running in seconds, not considering replication.
For a rental house 6 hours away from me, would it be more reliable to have something more like an appliance, something like a HA Green or Yellow? What rig would you want if you could not physically get to get to it and it really needed to run reliably for years to come. What is the most reliable setup if it was headless and co-located?
I stand by my assertion that HAOS on bare metal, like the Intel NUC, is remarkably reliable. Install the ZeroTier add-on and you will be on the same local network no matter where the remote is located.
For a rental house 6 hours away I would look into some appliances instead.
I would probably choose Philips Hue for lighting with the Philips Hue hub.
It can be integrated into HA, but will work anyway if HA crash.
I would choose HomeMatic IP for TRV control for heating with door/window sensors combined with Debmatic on a Raspberry Pi. I would not run this on the same hardware as HA.
Homematic IP can be also be controlled through HA, but can also run many automations just with Debmatic and the most basic functions, like communication between TRV, wall thermometer and door/window sensors should even work without Debmatic.