What can I do?' or even 'I just recorded the marriage of my child, but my computer crashed. We had many heartbroken posts in the forum with something like: 'I just did the raid of my life in my game, but the computer crashed afterwards. But if something bad happens, the mp4 will be broken beyond repair, so don't complain if that happens.
If all this doesn't apply to your environment, you will have no issues with directly recording to mp4. OBS isn't able to finalize, if it crashes mid-recording, or if the computer crashes or has a bluescreen, or if OBS hangs, or if the disk becomes full. If it isn't able to finalize the video, the video is in its entirety unreadable. Any video recorded directly to mp4 is usable only, if OBS is able to finalize the video.