Since I just went through this not too long ago, I'll give you my perspective. I have a 2004 (4pinion) however, my break was at the ring gear and not the spider gears. The carrier which the ring gear bolts to allows for deflection under load and the ring gear let go (broken teeth). My spider gears (4pinion) were all still intact.
The whole thing was a big learning experience for me once I started pulling things apart and seeing how everything works. I couldn't find any splits or cracks on the carrier itself and I thought I would. That would show a clear indication of the carrier flexing. But, we're talking 1000's of an inch. I think that as the gears wear over time and preload tolerances are changed there is more of a chance for this type of break. My truck had 120k. The trail I was on is considered moderate but not overly difficult. I'm pretty certain it was my front wheel lifting and then finding traction under light power that caused the break. Not unlike what you are talking about doing when you say steep hill climbs on loose footing. The rock garden I was in was mostly beachball sized rocks. Lots of climbing/slipping/grabbing. I wasn't under excessive power or bouncing up and down.
I don't think you can prepare to not break the front diff. Whether its the 2 or 4 pinion type. Some may break sooner than others, some may never break at all. Each one will have slightly different preload settings from the factory. This may contribute to the eventual failure as things wear and the shock load of a spinning wheel that suddenly finds traction is transferred through the front end.
I lock the front pretty often on the trail now, even though I have a much beefier carrier and would probably be safe allowing ATRAC to do its thing. IMO, any time there is a chance of lifting a front wheel, even slightly, the front locker should be engaged if possible.
After my learning experience, I wouldn't own a 100 (any year) without having a front locker. It would be my absolute first upgrade. Unless I lived where it didn't snow and the vehicle would never see anything other than pavement. A the very least, familiarize yourself with isolating the front diff so you can get home in 2wd in case you break on the trail.
EDIT: I should also add, I went a long time without any problems at all. So have many others. Make sure you know how to get yourself home in 2wd, and keep doing what you mentioned wanting to do and fix it if/when it breaks.