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Oh, the overall smart status is mostly useless. But some of the individual fields are helpful.

The ones for relocated sectors, pending sectors, etc. When those add up to N, it's time to replace and you can calibrate that based on your monitoring cycle and backup needs. For a look every once in a while, single copy use case, I'd replace around 10 sectors; for daily monitoring, multiple copies, I'd replace towards 100 sectors. You probably won't get warranty coverage at those numbers though.

Mostly I've only seen the smart status warning fire for too many power on hours, which isn't very useful. Power on hours isn't a good indicator of impending doom (unless there's a firmware error at specific values, which can happen for SSDs or spinners)