There is a lot of power to waste for the savings you made, when not buying expensive SSDs (20€ a year is not much). Where we use HDDs, we don’t care about noise. Durability? We use huge RAID systems with lots of redundancy.
I personally like to swap new drives after 5 years to avoid failures. So when you find a 16 TB SSD for 350€, you send me a message.
My HDDs run 24/7 without spin up btw. I’m just talking about the costs. My drives don’t fail that much as yours. The recent drives that failed were WD Blue that were very old and only used for backups. And yes, all backups were still readable, even the drive was reported as failed. Compare it to SSDs that often fail “spectacularly”.