This is sad. Seeing so many people having a problem with a simple monthly update like this. What will be the case when the Spring Creators Update/Upgrade hits in a few weeks (or less)?
I have not had many issues with updates. Certainly none that required reinstalling Windows. I did have to reset to Factory Conditions recently but that was to reinstall the Microsoft Store after I had deleted it. I had not realized I would not be able to
access my account and content by going to the store on-line instead of using the app.
I will mention this precaution I take. Before I shut down my computer for the night. (And, yes, I do shut it down when I head to bed) I check to see if any updates are waiting by going to Update & Security in Settings. Clicking Update & Security and checking
for any updates. Rather like this:

In this way I know that nothing has been downloaded and is awaiting an install that would be fouled up by my turning the device off. Also, by turning it off I avoid any downloads occurring while my device is unattended when issues might arise without my
being handy to take action.
I did have ONE update fail not long ago but I simply went to the Microsoft Update Catalog
entered the KB number and downloaded it as a stand-alone installer and installed it from my desktop (where I had saved it) and the problem was solved.
So far this has worked pretty good for me. I post this here in hopes it might aid someone else.