Most also have 3 year warranties and are cheap enough to have a spare if you are that worried.  As long as you have backed up an image of the 'C' drive it should take minutes to swap.

As to the one on the motherboard I have found it does make a difference but if it fails all I lose is the acceraltion on the hard drive storing my runtimes.

 

 

I use Poser 13 on Windows 11 - For Scene set up I use a Geekcom A5 -  Ryzen 9 5900HX, with 64 gig ram and 3 TB  storage, mini PC with final rendering done on normal sized desktop using an AMD Ryzen Threadipper 1950X CPU, Corsair Hydro H100i CPU cooler, 3XS EVGA GTX 1080i SC with 11g Ram, 4 X 16gig Corsair DDR4 Ram and a Corsair RM 100 PSU .   The desktop is in a remote location with rendering done via Queue Manager which gives me a clearer desktop and quieter computer room.