If you’re not seeing anything of concern in the SMART info then there’s little to worry about. You could install/run smartctl from the command line, or for something with a gui try gsmartcontrol / any other app that can interact with your hard drive diagnostics.
Hard drives can last a long time, as a general rule if your hard drive made it through its first 1-2 years without issue then there’s a good chance it’ll keep chugging along for years. I personally haven’t found that hard drives consistently die in 5-7 years, not too sure where you got that info from.
In any case backups are your friend, not just in case the hard drive dies but there’s always the possibility that your entire OS blows up somehow or you get a bad case of malware.
To be fair your post title does not match their own text
So it’s not all accounts, just the ones that don’t already have 2FA. Personally I wouldn’t have noticed any changes since I already use 2FA enabled with an authenticator app. But I can see how this might bite you in the ass if you weren’t already using 2FA.
Interestingly I used to run into a similar issue when using Lastpass. When logging in from other IP addresses they would often do mandatory email 2FA, and of course I couldn’t get into the email account without Lastpass. But it sort of resolved itself since I also have email on my phone so I just had to make sure those Lastpass emails didn’t end up in spam or wherever.