Be ready to replace the disk when the warranty ends.
What’s the point of replacing them? The warranty doesn’t keep them from dying, it just means you get a free replacement. The amount of life left on the drives after the warranty expires depends heavily on how they’re used, and most self hosters are pretty gentle on their drives. I could see replacing the drives that are heavily used, but replacing all drives just because their warranty expired seems like a waste of money and effort.
Maybe playing devil’s advocate here, but if it was the ambulance’s fault then the ambulance company’s insurance should be paying for all of the medical bills, including the ambulance ride. And the bill for the ambulance ride pays the EMS workers salaries and the vehicle maintenance.
The amount of profiteering in the medical industry is obscene, but I’m not sure this is an example of it…