What products are you saying about? You have to be more specific, or else we can only speculate.
My guess is that that design choice is not because an external watchdog would be more reliable than the internal one. An external watchdog might be more reliable, for example if the external watchdog is rad-hard while the microcontroller is not. But I don't think that was the case here.
Some other times, there are design requests based on laws, or based on regulations that are mandatory. To give an example, some industrial installations in power plants and energy distribution must be redundant. And for a better resilience against unknown future pitfalls, the redundancy must be implemented with different brands.
Or, maybe the external watchdog was added mostly to lower the power consumption, and that would be the most reasonable guess. The external timer chip is supposed to be even lower power than the standby consumption of the MCU with its internal watchdog still running. So, the external watchdog-timer here is rather used like a wake-up timer, and not like a watchdog that resets the MCU from a malfunction.