That's not quite how it goes.
The soldered on SSD necessitates a complete mobo replacement, which if it's out of warranty is something like $1K. But SSDs don't fail in Macs much and the rare times they do, it's early, under warranty. Most often it's damage done by the user - drops, water spills, etc. Frankly we don't see the Mac components fail, other than the ones that Apple failed to design properly in the first place and were forced to replace free under extended warranties: the butterfly keyboard, and a few screen issues (orange blotches).
FWIW, I have a number of 10+ year old Macs which still work, free hand me downs from upgraders and in retrospect the best thing Apple designed in the past 12 years wa