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A hard drive can fail at ANY TIME from the day you buy the computer on. I have drives that are 15 years old and still function. I don't use them for anything important of course.
Backing up is essential because it's only a matter of time...they all fail simply because they have mechanical parts. Hell, even ram can fail and it's totally electronic.
The price of SSDs is going down all the time and just as ram used to be very $$$ it's dirt cheap...so too will SSDs follow the same trend. I saw a 1 gig SSD for $475 being advertised on Amazon so that shows you how much they have come down already.
Soon the hd as we know it will only be used in 3rd world countries and the SSD will to standard in all computers.
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