I don't run a completely storage oblivious setup, I use f2fs, which has much better write patterns than ext4, and I disable stats collection in postgresql, which causes constant churn, but logging, and other stuff has negligible effects and I don't care doing anything special about it, and I leave it default OS configuration.
I have probably 4-5 uSD card failures over 60 year total runtime of my 15 SBCs that I run 24/7. So that's 1 failure per 12 years. Nothing that can't be dealt with using backups. (I didn't even need them that much, yet, because all uSD cards so far failed by turning read only, which for f2fs means you'll get the last consistent snapshot on the card, that you can just copy to a new card and continue. 10-15 minutes of recovery time.
All that complexity and limitations that people talk about seem way overkill for a home setup.
And I think other reason why I don't get many uSD card failures is because I run most cards in HS25 mode. Not in SDR104 or whatnot. 3-4x the frequency really causes the cards to heat up a LOT during activity. Can't be great for the flash chips. 2 of those failures were in SDR104 enabled hosts. Copying data to uSD card using SDR104 capable USB3.0 adapter really makes the card scarry hot in just a few seconds.