> eg tor connection goes down, suddenly all your traffic goes through clearnet
They did write a short doc on it on other possibilities, too [0].
> using whonix mitigates this problem
Yep and whonix is one among Tor's recommendations [1].
[0] https://trac.torproject.org/projects/tor/wiki/doc/Transparen...
[1] https://trac.torproject.org/projects/tor/wiki/doc/Transparen...