I think i remember upgrading the nvme disk firmware in work dell laptop (dell latitude 7390) from 2019 using fwupd some years ago (not more than 3 years ago).

Also i think i remember fixing (upgrading?) the firmware on a crucial ssd like 5 or 6 years ago using some live linux system (downloaded off the crucial website i think?)

Not sure about windows, but linux is getting incredibly better at this.