I would be more concerned with a small SSD with limited available storage... But I've generally just treated SSD/NVME like yourself and not really worried about it.
I did experience a bug in the first gen Intel SSD that one day it showed up as an 8mb drive, didn't know of the fix for it until well later, and it was so small (64gb) that I just swapped it for a larger/cheaper drive by that time.
I also experienced some issues with another drive I replaced a few months ago, that turned out to be an issue with RAM. Again, swapped the 2tb drive for 4tb as I wanted more storage as well.
Other than these, I haven't worn out a drive yet. I have decade old SSDs from an old home server from 12 years ago currently running in RPi boxes via usb-sata adapters.
I did experience a bug in the first gen Intel SSD that one day it showed up as an 8mb drive, didn't know of the fix for it until well later, and it was so small (64gb) that I just swapped it for a larger/cheaper drive by that time.
I also experienced some issues with another drive I replaced a few months ago, that turned out to be an issue with RAM. Again, swapped the 2tb drive for 4tb as I wanted more storage as well.
Other than these, I haven't worn out a drive yet. I have decade old SSDs from an old home server from 12 years ago currently running in RPi boxes via usb-sata adapters.