A lot of this attitude comes from the bad old days of 90s and early 2000s spinning disk. Those things failed a lot. It made everyone think you are going to have constant outages if you don’t cluster everything.

Today’s systems don’t fail nearly as often if you use high quality stuff and don’t beat the absolute hell out of SSD. Another trick is to overprovision SSD to allow wear leveling to work better and reduce overall write load.

Do that and a typical box will run years and years with no issues.