Well, no, the original question wasn't about insurance. It was about whether taking one specific step would decrease the chances of suffering a disk failure. Though I don't think hard numbers can really be obtained, it seems the consensus on this thread is that it likely wouldn't.
You have turned the question into whether taking a different step (to wit, selecting a different drive model) would significantly decrease the chances of suffering a disk failure. It's a fair question, but it's not what
@Dat Sysadmin asked. And I remain unconvinced that the reds are significantly better than the greens, but I'll concede that WD thinks either that they are better, or that the price delta is enough to cover the warranty replacements.
As to MTBF, or more precisely MTTF... The term is fairly simple, and should be understandable with the ordinary definitions of the four words that comprise it. Yes, I understand that a proper (i.e., meaningful) average covers a large population, and it can't be used to predict the behavior of a single member of that population. But still:
- Mean: the common "average". The (arithmetic) mean of a set of values is the sum of those values, divided by the number of values.
- Time: Since I don't have a TARDIS, I consider time as linear, rather than as a big ball of wibbly-wobbly, timey-wimey stuff.
- Failure: I'd consider this a complete failure to operate, though less-catastrophic events would probably qualify as well.
So, on its face, the term MTTF means that if I have a sufficiently-large population of widgets, and I run them to failure, the average time that they lasted before failing should approximate the MTTF (the larger the population, the more closely it should approximate the MTTF). Any given widget in that population may fail immediately after being put into service, shortly thereafter, or may exceed the MTTF spec by a significant amount, but the average should be close.
In the real world, we all know this isn't true. If I buy 1000 drives, and run them 24/7/365, they will all fail long before 57 years. WD knows it too, or they'd offer a longer warranty than 2 years (there are any number of reasons that it would still be less than 57 years). If the common practice in the industry is to run a group of
n widgets until one fails at
h hours (or run
h hours with no failures), and then specify the MTBF/MTTF as
n x
h hours, then (1) they're being intentionally deceptive in the use of the term, and (2) that spec is almost completely meaningless in projecting lifespan (i.e., reliability) of a product.