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#1
Yeah, if Smart says "Ok", you can't trust it, fair enough...Its a bit of a guess and how you are servicing your drives & the power management they have, i recon. That's quite the only way to prevent a drive failure apart a bad design of the manufacturer side.
I'm checking time to time with the CrystalDiskInfo software the values, and do a full scan either with Macrorit Disk Scanner free or when i have plenty of time with the embedded Windows Chkdsk command. Most of the time, i "cross fingers"...:)