That's a thorough and accurate analysis, but I guess workstation uptime matters less to me, and my recovery process is a bit simpler. I would just hop over to any other working system (like my laptop) and checkout the git repo and pick up where I left off, in the worst case waiting for a database snapshot to restore into a docker container. If I did need to rebuild a workstation in a crunch, I would just use a bootable Linux USB drive and a spare slower HDD or SSD and only copy back the files I needed right then from my backups.

As far as probability and cost, I've only had 2 SSD die on me in 10 years (other than an entire batch of Samsung 870s with the firmware bug that caused them all to hit end-of-life 10x faster than normal, in which case RAID didn't help and two servers went down) and I like to buy the semi-expensive ones for the improved performance at routine daily tasks like running the test suite, and buying those in pairs feels a little too expensive for RAID. Also, there are limited number of NVMe slots on a motherboard, though of course you can buy PCIe riser cards for as many PCIe x4 slots as you have.

In case you hadn't seen them, there are actually USB 3.2 10Gbit NVMe enclosures, which are pretty awesome. Just stick your old NVMe in that, and you've got a pretty amazing portable drive.