The problem is the actual architecture Apple uses for search in iOS and macOS. Spotlight powers all of it, and it applications like Mail that need search, do so by donating data to spotlight for indexing.
But that means any spotlight bug is a mail search bug, and a settings search bug, and a “just launch this app” search bug, etc etc etc.
It also means that any bugs caused by one of these applications end up affecting them all. So if Contacts causes an indexer crash, none of your searches anywhere work any more. It’s a super fragile architecture. They did some work to split some of the plugins into separate processes but somehow it always ends up being insufficient.
At least on macOS there are some commands to blow away your spotlight index when it goes bad. On iOS you’re basically screwed unless you wipe and restore the OS.
There’s another nasty one I encountered where power loss on a mac mini with 4 external drives connected made one drive refuse to mount on that machine. All recommendations online were to nuke the OS and/or drive to get it to mount there again. It would mount on other machines fine. There’s some cache/index file buried (I think related to spotlight) that got corrupted. Nuked that file, drive mounted instantly again.
These types of things should stand as big massive red flashing warnings with all these locked down systems - as you point out, in certain situations on iOS you’re just stuffed.