I agree.
I have a Tyro99 that has a 4 in 1 ESC, but my martian's have single ESCs just because of situations like that.
If somehow, because of a short, a bad motor or the ESC itself, gets damaged you can have a spare and just replace it. If it is a 4 in 1 you may still have a spare but you will have to invest a little more.
Also in terms of replacing is way easier to replace a single ESC because you don't have to unsolder all the 4 motors.
Now after all of that being said I'm going to point you to a 4 in 1 that might be very good and interest you
contradictions...
You now have the T-motor PACER V45A 45A 3-6S BLheli_32 4In1 that has really a good price, 35$. Disclaimer, I don't have one and nobody knows if they are good, but the brand inspires some confidence.
I ordered (and I'm still waiting) the T-Motor 35A single ESCs but if it was now I might had give a chance to this new 4 in 1 ESCs.
They are so cheap comparing to the ones I bought.