I have never heard of that, certainly for any of the AV I have used over ten years or more. I must have lead a sheltered life, I also trust to my own back-up and recovery system.
I use a hard disk imaging application. I also do a daily (or more frequently) back-up all the things that you don't want to lose, data files, like documents, spreadsheets, emails, email account details, registration keys, address book, favourites/bookmarks, downloaded files/programs, etc. the list goes on and on but if you don't want to lose it back it up. There are many back-up programs that can simplify this task and run it every day.
I do a weekly image of my partitions and save them to my 2nd hard disk, they can also be saved to off-line storage, DVD, USB external hard disk, etc. as part of my weekly system maintenance.
So if the worst comes to the worst at most I lose:
A. 6 days worth of program updates or new installations, but with my daily back-up I can recover most of that.
B. less than one days data files, emails, etc.
None of these is a problem and much quicker than a system reinstall and I don't have to go on-line to download the myriad of security updates needed to secure my system where there is a chance to get reinfected whilst my system has vulnerabilities because of these missing patches. Not to mention all my system tweaks and program settings are retained and I will have saved myself many hours of work and a huge amount of stress.
Many of these programs cost, there are some free ones, but it will take some research on your part to find these tools and decide on what is best for you from reviews, user feed back, etc. good luck.