Over the last decade, I've ran hundreds of servers if not thousands, and I entirely stopped using hard drives, now it's solely SSD/NVMe where the failure rate in practice is incredibly lower, I've had my fair share of middle-night runs because websites are offline or whatever to end-up in a hard drive diagnosis circus.
Imo, the peace of mind you get worth the cost, it also allows you to rethink development entirely, typical example would be that suddenly, copying all node_modules or rust deps is a great idea with 10Gbit/s bandwidth and fast drives (yes, I expect people to shit on me for saying this, please give me the counterarguments if you downvote me), many things change if you have a higher base performance assumption, storage is relatively cheap as well. I would never advise anyone that wants to run continuously in prod with low friction to get servers with HDD.
I get that for some use cases it's not possible, but for large majority of use cases, it's clearly not HDD that is the cost burden. $50 servers gets you TBs of SSD, of course don't go with VPS or "Cloud" if you intend to change your development based on new performance assumptions, it blows my mind the numbers of people paying thousand of dollars just to handle what, 100K visitors a day? That fits on a $100 server and a bunch of Kimsufi hosted across the world as a CDN.
People are overcomplicating infrastructure, big time (which leads to more problems, higher maintenance, security issues and so on).