hopefully you have 2x of these drives in some kind of raid mirror such that if one fails, you can simply replace it and re-mirror. not having something like this is risky.
That may be true for pools that never get scrubbed. Or for management that doesn't watch SMART stats in order to catch a situation before it degrades to the point where one drive fails and another is on its last legs.
With ZFS on Debian the default is to scrub monthly (second Sunday) and resilvering is not more stressful than that. The entire drive contents (not allocated space) has to be read to re-silver.
Also define "high chance." Is 10% high? 60%? I've replaced failed drives or just ones I wanted to swap to a larger size at least a dozen times and never had a concurrent failure.
If you're doing statistics to plan the configuration of a large cluster with high availability, then yes. For home use where failures are extremely rare, no.
Home use is also much more likely to suffer from unexpected adverse conditions that impact all the drives in the array simultaneously.
