I have had many individual drives last decades at work and at home the problem is that the odds for failure are the same for each individual drive but if you have more drives the odds that YOU will see a failure increase.
It is like saying what are the odds or rolling a 1 on a 6 sided die
So think of it like having a PC with one drive, vs having a NAS which typically has 4 drives. The more drives you have the more likely it is that you will see at least one failure during the life of the drive.
I have had many individual drives last decades at work and at home the problem is that the odds for failure are the same for each individual drive but if you have more drives the odds that YOU will see a failure increase.
It is like saying what are the odds or rolling a 1 on a 6 sided die
https://math.stackexchange.com/questions/1654073/probabilities-for-rolling-multiple-dice-and-getting-one-number-or-greater
1 16.67% 4 38.58%
So think of it like having a PC with one drive, vs having a NAS which typically has 4 drives. The more drives you have the more likely it is that you will see at least one failure during the life of the drive.