The most common reason for disk failure is when the heads get mucked up by oil when PC is powered off. Especially if the drives run for very long periods ( months ) between power down cycles. The oil from the spindle bearings can leak and spray over the disk surface which is not a big problem in itself on the active area of the disk. However when you power down the heads are parked on a non active area of the disk which by now have a thicker film of oil.
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