I'm not sure that setting the throttle to -100 will help in all cases (always stabilize when armed, motors set to run at zero throttle).
I always set up my RC receiver to stop sending pulses when the transmitter is switched off, then just leave the default FC failsafe which is to stop all motors if the RC receiver stops sending pulses to the FC.
I haven't researched it in a while, I think this requires that your Configuration->Outputs (ESC inputs) be set so that "Min" stops the motors.
Of course the final thing is to do a simple test. Set throttle so motors are running slowly on the ground; switch transmitter off. Motors should stop.