I don’t think it’s worth paying a premium as long as you regularly checksum important data and look for changes over time, keep redundant backups, and regularly check for integrity failures. You should see the inconsistencies as an early warning sign. Just don’t set up your workflows so it’s too late by the time you see them.

That said, I’ve seen a not insignificant number of computers in the wild that couldn’t calculate valid sha256 checksums when utilizing vector optimized implementations. Who knows how bad other hardware issues could be. You just wouldn’t know. I would pay a little extra for ECC memory given the choice.

In fact, I have two Dell Precision T7810 workstations at home with 144 GB of ECC memory and dual Xeons totaling 36 cores on each machine as my two primary personal computers.