fascinating discussion, and really excellent hardware pr0n.
ironically, I have always assumed hard drives will fail - but the only ones that I've ever had fail are backup drives.
admittedly, my current setup is rather simple by comparison. a pair of toshiba 5TB drives internally in a raid zero array, backed up daily to one of a pair of external 8TB drives, which alternate locations each week. an easy system for a modest amount of data - worst case from a computer failure is the loss of a day's change, worst case from a fire, flood, theft, earthquake, etc, is a week's worth.
before his retirement many (20ish) years ago, my father ran the company that supplied hard drive heads to most of the drive manufacturers of the day (seagate was among the few which made their own, if I recall.) he had many very entertaining tales of the generally shoddy and unprofessional nature of most of their customers with regard to the "consumer" category of product.