SSD wrote endurance is an unavoidable ticking time bomb. But it is nowhere near as unpredictable or imminent as many people assume. It's a failure mode that doesn't sneak up on you, and usually takes real effort to trigger. Other failure mechanisms are much more important.
Granted, been a while, but I do nightly full-disk backups due to the first such experience (so was well prepared for the second).
In general, you should be aware that the "life remaining" indicator may merely be the "warranty remaining" indicator. If the unused reserved block count isn't approaching zero, a drive can usually keep operating long past the official write endurance rating. However, in addition to the above bug, Intel is also known for putting a kill switch in their SSD firmware tied to the "life remaining" counter, so you might have actually experienced the SSD going read-only when that hits zero.