So I have a moderately increased likelihood of, at some indefinite point in the future, having to spend a whole $35 to replace the Raspberry Pi. I can prevent this by spending extra money (and time) up front.
In some cases, it might be worth it. Maybe I'm using this Pi to control something, so downtime is bad. (But even then, fans have moving parts and a high failure rate, so plan to monitor the fan's condition and be prepared to replace it.)
In other cases, if the performance isn't important to you, it may make more sense to just accept a shorter lifespan. By the time it breaks, the next generation Pi may be out anyway. I don't love thinking of hardware as disposable, but at this price point, it may be smarter economically.