Those failure rates are nonsense based on theoretical limits. In practice: a few weeks ago I resilvered a 4 disk z1 array with 8tb disks at 85% capacity in less than 24 hours. I scrub the pool every month and it didn’t seem any more taxing than a scrub.
I wear a hoodie most of the time. I don’t mind if you feel suspicious of me; one reason I have a hood up is because I don’t want to engage with random people. Sounds like you would go out of your way to avoid me so mission accomplished.