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For Hetzner you have to monitor your disks and run RAID-1. As soon as you get the first SMART-Failures you can file a ticket and either replace ASAP or shedule a time. This happened to me a few times in the past years it always has been just 15-30m delay after filing the ticket and at most 5 minutes downtime. You have to get your Linux stuff right through i.e. booting with a new disk.

If you don't like that you can order a KVM-VM with dedicated cores at similiar prices and the problem is not yours anymore.

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