Star Trek's never adhered to that before. The Enterprise D's warp core blew up while in orbit of a planet, with the saucer section separated but not far from it. The only consequence was the saucer crashed on the planet, but otherwise everything was fine. Hell, in Trek XI they used the detonation of multiple warp cores to propel the ship from a black hole, with the only damage to the ship being a crack in the bridge's windshield. Which admittedly should have been a bigger deal then they treated it in the movie. Hell, if a matter/antimatter explosion is so devastating, why even have ejecting a warp core as an option? It sounds as though realistically, the ship wouldn't have a hope of avoiding destruction anyway.
There a reason why we suddenly expect Disco to be scientifically accurate in an area where the rest of the franchise has never been?