I can't and won't argue that if mid-drives are out of your price range, or if you live in a pretty flat area, or that you're a do-it-yourselfer, or that you want an overpowered bike that has lots of tuning options, or probably some other situations that aren't occurring to me at the moment, that a hub motor could be a solution for you.
However, I find it interesting that the potential of a chain breaking on a mid-drive is frequently cited, but the increased chance of a broken spoke on a hub motor is rarely cited. Broken chains on mid-drives appears to be a rare occurrence. Rarer than a hub motor getting a broken spoke in our experience, as we get several customers a year with broken spokes on their hub motors but I don't think we've ever had a mid-drive with a broken chain. So to raise one possibility and not raise the other possibility seems unbalanced. Unless you're proposing that you might ride home on a wheel with one or more broken spokes? I guess you could, in theory, but in practice it'll put a lot of stress on the wheel and increase the odds that by the time you get home it's now a full re-spoking of the wheel rather than just replacing a single broken spoke.
Personally, if I get a broken spoke the trip is over and I'm walking the bike to the nearest bus stop and putting the bike on the bus' bike rack, so to me a broken spoke and a broken chain are equivalent as they both end the ride. Except a broken chain on a mid-drive is a less common and less expensive repair (and one that most bike shops can repair with what they have in stock). Whereas a broken spoke on a hub motor seems to be a more common problem, is likely to be more expensive, and the bike shop is less likely to have what they need in stock to deal with it.
If your local bike shop can even get spokes for hub motors, that is. None of our suppliers offer the gauge of spokes that are typical on hub motors. Muscle bikes and mid-drives tend to use 2.0mm spokes, whereas hub motor wheels tend to use 2.4mm spokes. At one time we could get 2.4mm spokes from our BionX supplier in a few different lengths, but they didn't always have the length we needed and we can't get them any longer in any case.
TLDR; a broken spoke could happen on a mid, but a broken spoke could be just as bad (or worse) and could be more likely to happen on a hub motor.