For my photo history I prefer to keep PAR files next to it. On a running mechanical disc I haven't seen issues when running the repair. I do expect to see some errors in the future and as long as it stays under a certain percentage, things will be fixable.
I started doing this long time in the past, when harddisks were awful. I would often lose mp3 files due to damage. With mp3 you can easily hear it. With jpeg images you can often see damage as well.