This bug really isn't that big of a deal.
As long as you pay attention to the music while you're playing, you should notice if the music stops.
So, if it stops, then DON'T SAVE YOUR GAME UNTIL YOU'VE MADE AN EXTRA COPY OF THE SAVE FILE FIRST.
Just search the game's folder for the save file (SaveXX.lsd) and copy it to your desktop, before you save your game again.
That way, if your save file gets corrupt or deleted, you can just move the backup save file you copied to your desktop back into the game folder and continue your game from there.
Remember, this bug won't erase your save file WHEN the music stops, but ONLY if you make a new save AFTER the music stops.