Every fire is different. Every situation is different. We know more now than with any previous fires.
My elderly neighbour stayed to defend in both of the 2 fires that forced our evacuation recently. He built the place, he was of the opinion he’d rather die trying to save it.
Both times, a wind change saved him/us. There was zero chance he could have defended it in our thick bush in those conditions, and there was no escape route for him if it got to his house.
I’m not saying all people who stay in these situations are stupid...but I believe that almost all are dangerously naive and unprepared.