I've seen it happen, once. Was driving behind a friend who owned an old Jeep that leaked badly out of the rear main. Hard to keep oil in it. Was driving at night ahead of me and I saw a flash of orange light underneath the car.I've frankly never known a single person of all the gear heads I know who have ever had an oil related failure of any kind period that wasn't related to complete negligence such as never changing it period or having a vehicle burn oil to the point it runs out lol.
Yep, as long as I am in the PT warranty period I want to show I bought oil and that met spec through receipts and keep track of the changes and dates; just in case.+1 Why overthink this? Keep it simple.