// why the advice differsHard drives warn. SSDs do not.
The practical implication for how you should treat each.
Monitoring earns its keep on a hard drive. Reallocated and pending sector counts increase over days or weeks as long as the drive is still readable. That window is where the value lies — you receive warnings, and those are actionable.
An SSD failure that matters typically occurs without the movement of any counters. Therefore "I will back it up when it begins to show problems" is a viable strategy for one and not for another. The only way to reliably protect against failures on solid state storage devices is by having a pre-existing backup, because there is no deterioration period at which you can capture it.
That is something you want to know about before it becomes relevant instead of afterwards. An SSD with 4% wear, but otherwise perfectly healthy attributes is not indicative of safety — it is merely an indicator that nothing measurable has gone wrong yet.