For your specific example, I would buy the $20 because I would assume the $50 is just as bad.

Having built computers casually for some time, I never recall being told by the marketing department or retailer that one kind of SSD was more reliable than another. The only thing that is ever advertised blatantly is speed and capacity. I saw the kind of SSD sometimes, but it was never explained what that meant to a consumer (the same way SMR hard drives were never advertised as having slow reads)

If I saw "this kind of SSD is reliable for 10 years and the other one is reliable for 2" then I may have made a decision based on that.