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When the maxtor 30GB 5400RPM drives came out I bought 3 off of a shady character about 5 years ago. For 4 years they were in my computer, and it (in it's many incarnations) was literally running for those 4 years straight. I sold all three off to my friends last year and they're still all running.
If a computer component is gonna bust of its own accord it's probably gonna either crap out on you in the first year or after a few years when it's worthless.
Leaving it on or off shouldn't really make a difference, it your baying your own electric bill turn it off since it's eating up gobs of money.
p.s. computer speakers should be turned off when not in use since they (the newer larger PC speakers) have a bad habit of wearing out rather fast.
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