What about ext4? Oh wait - no file data checksums - so a "no go".
Actually, it turns out plenty of folks have built plenty of storage on these platforms - including APFS.
In particular, for APFS, apple uses ECC for all hardware, uses fletcher checksums for metadata and I believe does a copy on write approach to help handle sudden power loss events etc. It seems to be working out OK for them given the prices they charge.