I can only speak of on Linux. If you know the disk is bad, clone it, with ddrescue, and fix the clone. But in future RAID and backup remotely. Also, next gen filesystems like ZFS and Btrfs for check sums and self healing and subvolumes with send/receive deltas between them.
Can it run problem bank apps? I need a bank auth app for work as the bank stopped fobs and it just would not run on LineageOS. It refused to run because “the phone is insecure”. I tried Magisk hiding stuff and MicroG, and a number of way of tricking methods. That’s why I ended up on GrapheneOS, as a compromise without feeling too compromised. Everything seams to think it’s on a normal Android phone, but I’ve sandboxed the Google tentacles. But it would be better if mandating OS wasn’t allowed. If I want to run a “insecure” phone, that’s my “problem”.