If you're looking for data stability, look at how business does it. You can never guarantee reliability, so opt for redundancy instead.
Rather than just a single disk, Get 2 in RAID1 and replace a disk whenever it fails.
RAID sounds complicated, but it's actually pretty simple to set up. Most modern motherboards have support for it nowadays, you just add the 2 new disks in the BIOS and it will pool them together.