My (Windows) PC completely died on me a couple of years ago burning out the motherboard, CPU AND ram. That was quite an expensive repair! I wasn't even overclocking it.

Hmmm... I worked in a PC service for 8-10 years and I had maybe 1 case of "burning" (I mean with smoke and everything... 😂), and I had a lot of weird cases on my desk... lol... Anyway, laptops do need maintenance and cleaning as dust is the biggest enemy... Cleaning computer fans (CPU, GPU, PSU, and MB) could save a couple of years of the computer's life...
When I opened laptops, my CPU fan was 60% full of dust and it is like 2 years old...