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HDD or SSD?
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That's true, with one caveat: if an SSD fails, it's usually catastrophically and without warning. HDDs usually give some warning signs before they fail completely (bad sectors, read/write errors, strange noises).
The SSD memory cell failure mode is to retain the last written contents, so I actually don't think I agree. In the SMART diagnostics, it shows how many of these bad cells are present, which is a reasonable indicator of impending failure from age
One major failure mode of SSDs is that they can corrupt their FTL map. That kills all of the data instantly.
(Now, a major reliability advantage of SSDs is that by being faster, you can also make a backup of them faster. And if backups goes faster, you're more likely to actually do them. Right? Right!?)
The biggest factor in making good, automatic backups for my home server wasn't speed (it's an older machine with a SAS array of spinning discs) but the availability of affordable cloud based backup storage (I use Backblaze and sync my files to a storage bucket once a day). Then it becomes automatic, and no one has to remember to do it, and it's offsite.
Even when external USB discs got cheap you had to remember to do it regularly and many people would forget.