I had a 1TB card fail on me, but that only meant that the card would no longer accept writes. I could still read everything off it. Since I was using the card to carry my entire music collection in FLAC on my phone, I was pretty OK with that. Eventually, when I wanted to update that copy of my music collection, I easily replaced the card under warranty.

I was thinking similarly. Do I really want to rely upon 2TB being stored in a SD card? Numerous failures over the year, and only consider them for temporary storage.

How long does it even take to fill the drive?

It depends on what you store and your backup strategy. You rarely have 2TB of really precious data on a microSD.

microSD are meant to easily store a local copy of your data, not to be a reliable long term storage.

You can also use it to store useful but not unique data like games on a switch or a Steam deck. If the card fail, all you lose is the time to redownload everything. Anyway except if you do a lot of video, the really important data (the really personal data you’ll want to backup) is rarely in TBs. It’s mostly pictures and documents.