Chance of drive failure, as far as anyone should be treating their data, is 100%. It's just a matter of when.
You wear a seatbelt? Wash your hands after getting them dirty? Keep a spare tire and jumper cables in the car? Try to avoid mosquitos if there is a virus? Don't smoke because it increases chance of cancer? Have health, car, home insurance? Making data backups is all in the same category as all of those.
While you may never get a drive failure, why risk it? Drives fail, that is a fact. You don't k now when they will fail, and worrying about data after a drive fails is too late. So the logical and reasonable thing to do is treat it like it WILL fail, and back up data. You don't start checking your parachute after you jump out of a plane. 99% of issues we see on the forums having to do with data loss will not be issues if people did backups. Every day there are a dozen posts "I lost my very important data, help!". If they took 2 minutes to copy that important data a week ago it's not an issue.
The general recommendation is to have a base system image with your programs and settings, then do a backup of your files, and keep things up-dated. Best practice is to keep more than one backup location and media.
If you are Bill Gates or Joe BillyBob from the farm does not matter, there is no difference between tech people backups and "normal" people backups. What you need backed up is what you need backed up, only difference may be number of files you have.