> My experience is that (most) spinners give off reliable pre-failure indicators (if you take the time to look/script looking), but SSDs fail by disappearing from the bus. The SSDs do fail much less often, but they still fail from time to time and recovery is harder.

I'm not a pro, just a smalltime dork with a homelab. I use cheap WD HDDs on my NAS system connected to an LSI hardware RAID controller. I'll boast that I have a 100% record so far of preventing downtime and data loss by simply listening for the controller's audible alarm and swapping drives right away (I keep brand new spares). I also have offline backups, but have so far never needed them. Not sure how this would change if I moved to SSDs.