I wonder if I’m lucky as well, I’ve had I think 1 fan failure in 25 years of computing.
My desktop has 3 80mm fans that are 18 years old and work fine. My switch is 4 years old, my server NUC is 5 years old, my laptop was about that same age, gaming pc has 10 year old fans - all no fan failures!
I wonder if it’s environment dependent; I imagine if you live in a dusty or sandy place it could decrease lifetime...