We have a few hundred systems at work and tend to keep them in service for 5 years or so.
By the 5 year mark my guesstimate is about 20% of desktops and 40% of laptops have suffered drive failures. The desktop failure rate is low enough that most home users with one or two PCs would be unlucky to have one fail.
There are, however, exceptions. For example around 15 years ago Seagate Barracudas (especially the 40GB ones) seemed to drop like flies for a few years before they got whatever the problem was sorted. As a result, even though current Seagate drives seem as good or better than anything else, we still tend to prefer Western Digital when buying legacy spinny disks at work.