I will admit to being "overly concerned", should something happen to the internal SSD (which CANNOT be replaced), but I'm also one who doesn't fly because I don't want to be 5,000 ft in the air (or whatever cruising altitude is on an airliner) if the "odds" happen to hit on THAT day, on THAT plane! I'd far rather die on Terra Firma of a heart attack, than to die screaming as I slam into the ground on a winged missile plunging towards Terra Firma! So, yeah... I'd rather avoid an accident that to assume an accident will never happen to me.Computers are not cars, that for sure. Even Windows laptops now have soldered components. If you don't want soldered components, just build your own PC tower. No point in buying and then complaining about something that you know you won't agree with.
Seems like you are just being paranoid, since you yourself have no solid evidence on what you claimed. Macs have used SSD since the first gen Macbook Air. So far, we have yet hearing people complaining about the life of the SSD. And so far, nobody accepting trade-ins are looking at the life of the SSD. So in reality, your fear is probably unwarranted.
True, from another's perspective, perhaps I am being overly concerned. But, are you going to gleefully buy (for the normal going price) a used M1 Mac with a "mostly used" SSD and/or of "unknown quantity" (sight unseen as most items are on eBay) or a fried SSD (that CANNOT be replaced, and will probably render the system unbootable/useless)? I just don't see it happening.