Dale, I think you have a very good point. No equipment you dive is going to function within the parameters you envision for failures and problems if the diver using the equipment isn't facile with the procedures, either physically or mentally. I have read a story of a very badly managed failure in sidemount; I have watched a fully certified cave diver do a valve drill in doubles that he couldn't completely without kneeling in the bottom of the open water basin (thus implying that any failure he might have that would involve shutting valves would blow the viz).
WHATEVER you use, you need to understand the downsides of your choice, and you need to practice emergency procedures until they are fast, smooth, and stress-free. One of the things that does bother me a lot about backmounted doubles is that people think it's okay to dive them, even if the only way they can do shutdowns is to writhe about, release straps, and fuss . . . if you can't shut a valve and the isolator FAST, you are better off with a configuration where you can. If you CAN do shutdowns quickly, AND you are diving environments where the physical dimensions of a backmounted setup are not a problem, you may be better in backmount.
Until someone can do a study of relative problem rates, it will remain a matter of opinion -- strongly held and vehemently contested, but largely unsupported.