Hi there. Apologies for the delayed response.
Your setup sounds solid. User profiles are very flexible and allow for a lot of different setups according to people's needs. As a new user, I wouldn't necessarily advise to go for that cause it's more complex than just running everything in one profile, but hey, it seems to be working out for you!
From what I can understand, it's not that it's difficult for you to use 2 profiles in this way, and that your main concern is just that it's easy for the profile to be deleted. Could you help provide some more context about what the exact fear is here? That you'll fat finger this yourself, or that someone with control of your phone will delete it maliciously?
If it's the latter, you should keep in mind that someone with physical access to your phone can wipe the entire thing in recovery without needing to authenticate at any point. Even if that wasn't the case, they could throw the device against the wall to break it. :D
If your concern is that you might do so accidentally... do you usually go to the multiple users menu where that option exists for it to be an issue? If you're switching frequently, I'd personally do it via the button at the bottom of the notification shade instead, where the option to delete a profile doesn't exist.