That's right, although in my experience the staff at Hetzner were quick to replace faulty disks in the past. You should be fine if you keep an eye on your disks

That's right, although in my experience the staff at Hetzner were quick to replace faulty disks in the past. You should be fine if you keep an eye on your disks (e.g. SMART status reports via cron or systemd timers) and contact support before a disk fails entirely.