

It depends on how important your data is to you. Me personally, I just run a jellyfin server with dubiously acquired tv shows and movies. Which is to say that if I lost everything in a catastrophic failure, I wouldn’t much care, so I decided to get a refurbished 14tb USB connected external HDD.
If you run anything more important, you should listen to others who might have a more robust solution
Like I said, I didn’t buy it expecting it to last forever, but I haven’t run into any problems yet and I’ve only had the drive for about a year now. We’ll see how it holds up when it hits real long term numbers.