Your point isn't entirely invalid, but I lose HDDs a hell of a lot more often than I encounter any of the other problems you mention. I don't think I've seen a power supply pop since 2006, I've never lost UPS/surge-protected gear to a mains spike, every server room or datacenter I've cared about has been environmentally monitored, heptafluoropropane exists for a reason, and why are you building a datacenter on a floodplain?

In contrast, I lose 5-10% of the spinning HDDs I care about every year.