You should always back your stuff up to another drive or to the cloud OR run RAID. Replacing your SSD every year does not make sense as the drives can easily fail within a few months if they're faulty from the factory. It's also a costlier solution that doesn't provide protection from loss of data.
I make already weekly backups with Acronis for many years. I work with SSD but always have several recent backups on other discs. It is clear that replacing SSD's is not a solution in case of failure of this SSD because than it is already too late. But if my SSD crashes I can restore my latest backup on a new SSD from a backup on other discs.