I'm not particularly knowledgeable about IT but I avoid IoT like the plague. Everything should run locally and if I want to control it from away I'll use a VPN to home.
My understanding of the actual tabletop lore is that basically for every decent ripper you're likely to encounter as a player there's easily a dozen that are like what you describe.
Choom, you gotta remember any Edgerunner know they're gonna flatline young.
Most people get chipped to perform their job, which is basically to barely survive a corpo life. Some have chrome for medical reasons. Most people don't wanna be a chrome jock anyway, with cyberpsychosis and all.
Also, ripperdocs are the closest thing to medical attention proles can afford. And I suspect with the jack they make they can afford actual medical care.
One ripper says the electronic device are of course prone to EMPs and a giant solar flare.
I think the ripper across the road from where you get ping (could be wrong) says basically this (paraphrasing) yes you have sword arms, but when you replace the organic arm, the mechanical one doesn’t have as good wiring. The effect may not be noticeable with single “upgrades” but definitely can feel the difference over time