It really depends. If you do regular backups, and are prepared for a HDD to fail at any moment, then it may be worth it. I've had drives that have been in service for over 10 years, and I have also had drives fail within days of being purchased new.
Even new drives can be dropped before(or after) getting to the store shelf, so the dropped hdd issue is a non issue.
The only question I would have is if there is any DOA warranty - so you a guaranteed to get a working drive.