You're not wrong. And if there's a mechanical issue with a drive and it dies / stops spinning, then you'll probably get an alert and can swap it.
But if there's any kind of bit rot or data corruption, and it only happens on one side of the (traditional) RAID1 mirror, how will you (a) know that it actually occurred, or (b) know which side is good bits and which side has bad bits?
With ZFS and checksums, you can be confident that your data is still healthy. Depending on the data, this may be an important consideration.
zfs send-recv is also very handy for doing incremental backups.
[0] - https://docs.oracle.com/cd/E36784_01/html/E36835/gkkqz.html
As others have mentioned, would "zfs diff ..." be useful?
* https://www.thegeekdiary.com/how-to-identify-zfs-snapshot-di...
As the name suggests, "snapshots" are read-only and so cannot be altered. You could either copy/rsync the modified file/s to the live location, or do a rollback to a particular snapshot:
* https://www.thegeekdiary.com/solaris-zfs-how-to-create-renam...
If the machine is compromised in some way, you could reinstall and do a "zfs send-recv" of a pool from a remote system.
Filesystems don't read SMART data. You might have a separate daemon which monitors SMART.
ZFS checksumming is amazing for this. You know, without doubt, which file(s) are bad. You can still use failing or unknown quality drives because the checksumming will protect you from silent data corruption.
Of course, that's great for a server farm; in home use monitoring is a lot less structured.
as long as it writes and reads back (most of the time): ZFS will deal with it
Also, 18 months sounds kind of short, I usually get around 5 years of use from hard drives. What brand are you using? I highly recommend checking out the quarterly Backblaze HDD failure reports.
Source: been running a server (read: consumer headless desktop) for years without issues.