Backups and backups and backups, and then and only then can you trust your data is safe. I run all consumer disks, have 2x2tb ssd’s in a raid1 for user facing storage which are always powered up and mounted. I only have 2 users in total, so relatively light load. Then I have 2x8tb hdd’s which only power on once a day at most, for as long as it takes rsync to complete it’s nightly backups, then they dismount and power off. Been running this for 18 months and not had any issues. My hdd’s will last years with their current load and usage, with only probably a few hundred mb written every night. But if your data is managed and backed up sensibly, and you use raid effectively, cheap discs aren’t a worry.