All drives will ultimately fail, could be 10years, could be 10mins. If you don’t want to lose your data, back it up. Have a storage drive and a backup drive. Don’t both connected them to the router. Use an alternative method to connect , like to a computer and have run a backup protocol on a regular basis. As for 2.5 over 3.5, the 3.5 are usually faster but it probably doesn’t matter reliability wise.