Hey ostab. This is a bit tricky. The reallocated sectors count is the number of bad sectors which the program managed to move the data from and exclude them as usable anymore. What's the number of the pending sectors? Unfortunately when bad sectors start to occur, this will continue until the drive eventually dies, but the bad thing is that you can't predict when this is going to happen. It could be a year from now or even days. If I were you, I'd do regular backups of the important data and also regular tests of the drive. Though the best option would be to replace it, but as I said you probably could end up using it for quite some time, or not so much... So at the end of it all, it's up to you how you'd like to proceed.
Hope that helps.
Boogieman_WD