Quoting because this is the truth. Everything breaks, or can break.
I've had probably 8 WD HDDs over the years, a couple stopped working, but well past their warranties.
Just don't be careless and keep only one copy of your data and you should be fine.
WD Blacks come with a 5 year warranty, a rarity among HDDs, but for $90, the 1TB Samsung Spinpoint F3 is an incredible purchase, that I'd fully recommend, because baring a massive batch of drive malfunctions, there's only bad users, not bad HDDs.
It's simply your own fault for keeping everything on one single drive that can break at any moment. You can easily buy a second $90 drive to have all your data mirrored, and if you can't, you should seriously consider putting the important stuff on disc or online asap.
Edit: In fact, if there is any one thing certain about every HDD ever made, it is that it will break and stop working at some point or another, and everything on it will be lost. It's just a matter of when.