If it puts your mind at ease you could maybe buy a cheap 128GB SSD and see how long it takes to brick it, I bet most people couldn’t manage it in their lifetime with normal home use..
"normal home use" is the key. Agree for people doing basic browsing office/productivity work they should be fine for the life of the device (i.e. at least 10 years).
However, what I've found helpful (and a lot easier than my own durability testing) is to calculate my average "GB/day" and then estimate when I'll reach the TBW for the drive. For my laptop where I do basic productivity work, that is typically 3-6GB/day. Assuming 6GB/day and the 128GB SSD with 300 writes (the low-end), that would still get me over 15 years.
Then on systems where I move more data, I have runs of 1TB+/day. There I'm glad my now aging 1 TB SSD is rated at 1200 TBW. A drive a 300 TBW might have died by now.
At the other extreme, suppose you're continuously capturing data at 1 GB/sec (often +/- many SSD's max sustained write rate) to a 1 TB drive, processing before moving to another system, and then overwriting. Even a 1200 TBW drive might only last 2 weeks under those circumstances. An array of larger SSD might last long enough, but a medium-sized RAID (i.e. 5-12 drives) of HDD likely a better design.
Somewhat more common, suppose some sort of continuous video recording (e.g. security cameras) at 100MB/sec. There a 1 TB drive with a 1200 TBW (above average for that size) might die in less than 6 months (est. avg 140 days at spec). Depending, a single HDD or an array of larger SSD likely a better design.
However, people in the last two categories should know they are in those categories. They just need to know to engineer a solution for their situation. Most people should assume they are in the first category.
To estimate one's "GB/day", just get total GB written since your last reboot and the total time since the last reboot (this should be reliable enough after the computer has been on a few days assuming you don't reboot multiple times per day). Easiest way to get Data Written is to go to Activity Monitor->Disk and check "Data written". To get the time of last reboot, go to System Information->Diagnostics->Last Run (or easier if you use Terminal, just run "uptime") and just calculate the number of hours since then and divide by 24. Then the average "GB/day" is just the ratio.