Gheez, I disappear for a couple months (December and January are usually bad months for me) and I return only to discover everyone's destroying their new toys! :BangHead:
I use my routers quite a bit and can honestly say the ONLY bits I've ever broken were 1/16" mortising bits... I've overheated a few others, worn out yet more, but never broken any other bits.
That said, I am a firm believer that a router bit and its router should be matched properly. If you are chucking a 1/4" mortising bit (especially a deep 1/4" bit) in a large 3-1/2 HP plunge router and hit a hard section of wood, the mass of the router is just going to carry that bit straight through that hard section with very little detectable resistance to the operator. As a result, you won't slow down your feed rate and are in effect force-feeding the bit.
On the other hand, chuck that same bit in a 1HP Colt Palmrouther or laminate trimmer and you will immediately notice the extra resistance and slow down until you are through the the hard section and in the clear once again.
As for questions regarding RPM ratings for 1/4" bits, most small diameter 1/4" bits are rated for 30-35K RPM, it's only as the diameter increases that the RPM ratings will decrease. I'm not sure using a 1/2" shank 1/4" mortising bit would help appreciable because ALL of the shearing force in such a bit is inevitably focused at the collar where 1/4" bit meets 1/2" shank, rather than evenly distibuting the same force over the entire length of a 1/4" shank bit. The 1/2" shank bits truly shine when you are working with bit diameters greater than 1/4".
I would agree that Spiral bits (so long as they are up-spiral) and up-shear mortising bits (Freud and Whiteside both have some selection of up-shearing bits (the carbide cutters are angled with regard to the shank rather than parallel). Just avoid down-shear and down-spiral bits as these will only pack your dado/groove with waste.