checksums at the filesystem level does nothing to protect against memory corruption which can overwrite everything on your disk with null values and a matching checksum; fail to write anything to disk and/or do nothing.
But that is the gamble you take every day with every GB of RAM you have.
rxvt-unicode with tabbedex.
I refuse to use a terminal emulator that needs more than 100MB of RAM to display 80x24 green text on a black display