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Hmm. An interesting point and a good consideration - maybe a reason not to make this recommendation to others. In my own case I'm not concerned.
I'm using 1tb SSDs. They're pretty cheap now. I don't think they suffer from any of the problems you've described?
I couldn't find any information about longevity offline vs online. In daily use SSDs do seem to be more reliable than HDDs, particularly as they get older.
The other thing is my strategy is something like 4-3-2, so the offline is an additional final hail mary. The chances that I would require it and it would have failed in the month or so since I updated it are infinitessimal.
Finally there are practical considerations. My offline copy resides in a physical safe in our house, and is unencrypted. If I were to die suddenly, this would be the most accessible copy of important documents, family photos, et cetera.
It's not a perfect system but it's "pretty good" and I'm hoping I don't die suddenly so there's that LOL.