The locking mechanism has tactile feedback, it snaps into position, so to speak. I've debated this with some colleagues, some of which not used to building their own PCs, and in this smal sample group, we were split evenly between failsafe and not failsafe. FWIW.
IMHLO the large required clearance befor you're allowed to bend the cable is more problematic. Especially since the cards are so large and (almost?) all of the connectors stand off in a 90-degree angle making the required case width even larger. Many if not most cases are arguably to thin to accomodate the large card +35 mm of headroom for the connector.