Don’t use native encryption if you’re not willing to lose the entire pool - and possibly any pool you zfs send an encrypted snapshot to. There are quite a few bugs/issues with native encryption, some of which generally result in the complete destruction of the pool. I use it on my laptop because the benefits of encryption on a mobile device outweigh the risks of the OpenZFS implementation.
Edit: A list of bugs related to native encryption, and their impact: OpenZFS open encryption bugs (public RO) - Google Drive