I am not using a VM with BI... Running Windows 10 Pro bare metal. I'd love to virtualize the whole thing but the Intel Sync passthrough was a hassle. I virtualize Windows 8 on ESXi to run HS and it is fantastic. Stable and maintainable.
I am sure Win 10 is super stable in most configurations but that hasn't been the case for me. This hardware was my old server so it has ECC memory, redundant drives, redundant power supplies, a XEON process and the like. It should be far more reliable that the refurbished Office machines most people are running on. That said, power supplies and hard disks don't have an infinite MTBF, so if the latest set of configurations didn't fix it-- maybe I'll upgrade those parts and do a fresh install.