Yeah a PLL without a status flag to indicate it is locked isn't good. I think there are also issues with stabilisation when using it with stop modes https://community.st.com/t5/stm32-mcus-products/msi-pll-mode...

If you really need the accuracy then regularly time the LSE clock using a timer clocked from MSI and apply the best trim values as described in this app note file:///home/tom/Downloads/an4736-how-to-calibrate-stm32l4-series-microcontrollers-internal-rc-oscillator-stmicroelectronics-1.pdf