its not, bip110 blocks remain compatible with exisiting nodes on the network which is why there exist the possibility of wipeout (however small). the wipeout risk wouldnt be solved without a solution like your checkpoint, which is a forced upgrade.
ursf to bip110 isnt a softfork
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Non-upgraded nodes just follow the longest chain, whether that’s the UASF or the URSF/checkpoint chain. They’re both soft forks.
But you can believe what you want to believe.
the wipeout risk is there for non-upgraded nodes because the difficulty adjustment still exists
i believe any scenario is far from certain and bip110 doesnt present any harm