If you know what you're doing, you put anything important on an M-disc.

Everything else is prone to random flaking. Some discs last much longer than others, but there is not always an easy way to know in advance unless you do a deep dive on the state of manufacturing at the place and time it was made (if such info is even available).

Environmental conditions can also have an effect.

I think most people who have crossed paths with a lot of optical media over the years are aware of this, but your average consumer? Probably not.