Glad you're okay.
Glad Ruger stepped up and replaced the gun.
My thoughts?
Just speculation, but that sort of dramatic damage is usually caused by what's described in armorer classes as an "over-pressure event". Over-pressure can occur when a bullet is setback in the case, for example, and it sometimes doesn't have to be by very much.
I like to quickly visually check rounds as I load them in magazines. I'm looking for obvious defects or manufacturing issues that could slip out the door. I especially check budget line ammo for such things. Sometimes it might be a manufacturing defect (case mouth damaged, improperly positioned primer cup, etc). Sometimes it might be a bullet setback inside the case (even from the factory). Anything that visibly sticks out.
Obviously, you can't catch everything by the naked eye.
I can think of a few cartridges in 2 different calibers, produced by 2 of the different major makers, a few years apart, where the cases were trimmed just enough overly long to prevent chambering and the pistols going into battery. The differences of the overly long, improperly trimmed cases weren't obvious to the naked eye, but were seen back at the bench, when the rounds were carefully compared to proper OAL rounds, on a level surface and under good light (and using reading glasses
).