Yes, backyard tomatos often split because of irregular watering: I tossed away a couple just this morning. I can control how much water I give them but I cannot control the rain and we have gotten quite a bit of rain this week! Though, honestly, I get a few split tomatos anyways.
If the tomatos look like the upper tomato I eat them anyways: the brown line on the skin does no harm. If the tomato has split badly enough to have a hole into the seed area I toss it aside and choose a better tomato instead.
Commercial growers use varieties that have tougher skins, and so they are far less likely to split. Backyard gardeners prefer not to grow those commercial varieties: gardeners choose other varieties to grow because those tougher-skinned commercial varieties will give us those crunchy, tasteless supermarket tomatos.