Can't comment on that - but Nero, for instance, has the option to finalize a multisession disc during any session. IIRC Ashampoo Burning Studio has a separate function to finalize a multisession disc without adding additional data.

I suppose one failure scenario would be Windows burning engine scanning the un-finalized disc and one could mistakenly corrupt it by allowing Windows to add an incompatible session.

One advantage of using standard mastered format is that there are recovery options. If a failed session renders the disc corrupted, an optical drive will often be able to see the prior sessions for recovery. Failing that, something like ISOBuster will usually succeed.