I now have at hetzner.de a host that has 3 4TB Seagate drives and I ended up building a 3-disks-raid1 instead of a raid5 because I'm too scared that when one drive fails, an additional one will fail as well during the rebuild-process when the remaining ones are stressed (a raid5 would then implode in this situation).
The larger factor is the amount of labor involved in dealing with a bad drive.
Their (large) operation seems automated so I assume if they have a single drive failure in machine #1234 (which has 50+ drives) they have an automated way of switching off said drive. Then they leave it there until the entire rack is replaced many years later.
Other operations have to send a human to manually replace every single failed drive as soon as it fails, which is very expensive as a % of the cost of the bare drive.