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I've used Windows since the late 90s and I've had infinite blue screen loops before. probably a hardware issue but it's not like this fear is irrational.
Seemingly once a year my windows machine goes into an infinite loop of bluescreens. It's because of my wireless/bluetooth card everytime.
Windows will update the driver during one of it's bug updates, fail, then I have to go into safe mode and install the correct driver. Then it's business as usual.
Windows doesn't seem to care that I told it to never update my drivers, it'll still do it once a year.
For me, it's not that Windows updates my drivers during a big update. It's simply that Windows broke the driver while installing a big update.
I've had it happen where my Wi-Fi driver broke so it could only connect to an unprotected network. So I'd simply setup my phone as a hotspot and download the Wi-Fi driver from the manufacturer's website and reinstall it. That'd immediately fix the issue. Though, actually, that issue hasn't occured in years. The last time it happened, I think, was in the early years of Windows 10.