I've had to rescue just a few tanks from white water baths when a neck o-ring or burst disk has failed mid-fill. I've never seen an o-ring fail "just because", nor do I see any mechanism for it to.
Ditto.
When I was tank-monkey'ing up in Luraville , I had to rescue a few sets of doubles myself. Every time it was the valve burst disk.
I did Cavern in doubles (double 50's) and then switched to double 85's for my cave classes.
I do know some old-time cavers around here that DO dive doubles with NO isolator valve. They have dove this way for a long , long time and er , who's to argue with them.
Certainly not this chickie!
Jean