I've had more SD cards die on me than fans. I don't think any have died in the past five years, even.
I’m not buying anything else and I’m also swapping out any non-noctua fan in my parts when possible (e.g. bought a scythe cooler due to ‘interesting’ dimensional constraints and swapped its fan with a noctua one.)
They almost never run 100%, though, and I have a recurring task set up to clean dust outta my filters, computers and servers.