How does the UI framework act when you set a label to such payload? How does your web browser act when it sees it in HTML? I have found working on apps that see a lot of usage in varied markets that as much as we wish to see the best and ideal conditions, malformed utf-8 surfaces in the real world pretty often.
The fact that if one has two files, say “test{invalid bytes}.txt” and test{other invalid bytes}.txt”, both have replacement characters inserted at the same spot and would decode to the same codepoints.