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Google did some tests/research/study a few years back and they noticed that hard drives fail around 40% of the time without showing any signs with SMART attributes.

EDIT: Ok, few years = 10. http://storagemojo.com/2007/02/19/googles-disk-failure-exper...

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Fair- matches my experiences (seems to me it only flags a drive at the point where it's physically clicking or otherwise very dead) but they specifically asked for a SMART monitoring tool.

That would save about 60% of the settlement costs.

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