I'm no fan of klopp & completely agree about the cryasreing and moaning. It is tiresome & dull, but it doesnt mean that everything he says is absolute horse manure, a majority is but the odd time he might be right.
Whether they were in the habit of making 3 subs or not doesnt matter when we are in such unusual times as we are, but for the record Liverpool made the most subs of any team last year (85) in the PL with City mid rank (79), however city did make the most starting 11 changes through season, which kinda debunks your "they have got form for not making many subs"
Secondly on the point of "you cant keep a sub or two back" for fear of injury, this is literally what both of them, Graham potter and others have said about this season, saying they can't make three subs earlier for fear of leaving someone on the pitch injured, we were all pulling out hair out when James was hobbling around St.Marys with 3 subs made.
The arguement that you should manage players by taking them off earlier is nonsense. What the stats are showing around soft tissue injuries, is that they are unpredictable and if you could "protect one or two" by taking them off i'd imagine they would, but when it is a lottery as to who is getting injured, the game is losing and edge & subs are no longer used as a tactic within the game, but as injury management. I reference the City V liverpool match in a previous post, they effectively shook hands on 70 mins, the same can be said of Arsenal v Leeds yesterday. there is definitely a valid arguement that they should manage players through rotation, but for me (& 8 PL managers to date) that should be supported by 5 subs.
Regarding red cards, you are right you cant mitigate for every risk within the game, otherwise it would be boring. But for perspective since the start of this season through to the end of last week there have been 116 soft tissue injuries compared to 5 red cards. It's about reducing risk not removing it completely.