There's no need to toss the drives at three years. Run drive diagnostics on them using a tool (GSmartControl, WinDLG, Hard Disk Sentinel, etc). Ideally every six months full scan, at least once per year.
Drives easily can last ten years without issue, and the odds of all drives failing simultaneously is near-zero.
Really you should keep at least one, ideally two, drives at different locations. And add an encrypted cloud backup to the mix.
There are a lot of factors. Manufacturing process, head, lubrication, insulation, material thickness.
Nobody can give you a specific answer without a forensic teardown. I would say it's probably the casing, refinements in head size, and noise canceling insulation inside the drive.
Drive noise measurement is always a frustrating thing to keep track of. It's much easier to just find a solution to isolate the drive noise completely and not worry about it.