My 2c
Been commuting /Riding for ova 20 years to work and back and never had a problem with steel caped boots.
If you position them incorrectly the only issue you will have is a wear hole at the back of the steel cap as it slips forward when shifting( this only happens after the expected life of the boot is almost beyond the use by date. In other words worn out )
As for loosin toes if you crash its quite simple realy DONT CRASH.
PMLNFOF. By the way CAT boots arnt that bad either, But will cost upwards of $250 and i get 12-18 mpnths out of mine.
Regs Mouse