GLF
There is no question in my mind that digital files are as subject to damage or more so than negatives and certainly more than prints.
What have you done with the floppy drive backups, or the magnetic tapes or the early CDs? None of these are viable today and most of those backups are now worthless.
The same is nearly true with DVDs and who hasn't had an HDD failure...not to mention the file type. I have some old Kodak DCS raw files that are near worthless because I can't convert them to anything useable other than black and white - fortunately, the best of them I did convert to .tif or .psd when I printed them and I still have those files.
That said, if you stay up with changes and continue to migrate files as the technology evolves, you will be fine. But will your grandchildren have all the transition pieces? Just in one lifetime, we have lost the link to the files I mentioned above.
Of course, you are right that negative and print archives can be harmed, but those risks are known and have been managed for decades now. I think the negative thoughts you see in forums are meant to be cautionary tales that digital files need care and maintenance just as traditional ones do.
Happy July 4 !!!