My only HDD issue was many years back. Bought a 3.5" drive, got it home and plugged it in and no noise, it would not rotate. So unplugged it, held it horizontally in my hand and then gave it a quick wrist flick to cause the HDD to flick CW then CCW to unstick the disk. Plugged in again and it then spun up and gave no problems at all for the next number of years that I used it.
My HDD spend more time resting with power off than they do working so they last "forever" as far as I am concerned.
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I have seen the Backblaze statistics on failures and was aware of which brands seemed to be better/worse than others, but they use drives in a very different way to me, so interesting but does not affect me or what I buy.
Your position seems to be that your usage pattern should result in a lower usage rate than Backblaze sees. You may be correct. I suspect that some parts of the drive degrade with usage, and some with time.
I remember a time where a large manufacturer had made a bad choice of drive lubrication. If a drive was left powered down, the lubrication tended to harden. Leave th drive off for too long, and the drive's motor might not be able to get the drive spinning again.
But let's assume that your drives have a 0.5% of a drive failure each year. That's a 5% chance a drive will fail over a ten year lifespan. If your archive is large enough to span three drives, there's a 15% (about 1 in 6) chance that you will one of those three drives fail during a ten year period.
The question is how valuable is your image archive. Without backups, you have a 1 in 6 chance that during the next decade you will lose some of your images.
If your drive failure late is only 0.25% per year, you have only a 1 in 12 chance of losing a drive. If your failure rate is closer to 1.5% per year, then you have a 45% chance that one of your three drives will fail in the next decade.
Obviously, your personal odds of failure may be better or worse. Do you keep your drives in environmentally controlled storage? Are your drives filled with helium rather than air (helium is better at escaping)? Are your drives subject to vibration during storage?
Many people will never see a drive failure. Most people will. It can be dangerous to look at the experience of only a few people and assume that's the general case.