That is only part of the calculations.
That 19.7 is 1%. While that could be anywhere between 0.5% to 1.499..% we'll go with the 1%. 19.7 x 100 is 1900 TBW for 100%. Even if throw that out as ridiculously high we still have 1% in 49 days which results in
100% for 4800 days or 13.42 years
By your own numbers the drive has a lifespan of
13.42 years. Even if we go by the 800 TBW that resulted from a bank doing something very very silly with an entry level machine you are still talking about ~1989 days (800/(19.7/49)/365) or
5.45 Years.
Please explain to us just how long do want the SSD to last if
5.45 or perhaps 13.42 years are not enough.