As long as you have good airflow over the drive, there is really nothing to worry about. The manufactureres don't seem to mind slapping a large paper label on the drive face which clearly inhibits heat transfer. And no consumer drive that I've seen has a stock cooling fin arrangement. I think that it's another way for the cooling gimmickers to make a buck. I have been a PC owner since 1987 and have never had a hard drive failure. However, I usually only use my drives about 4 years tops. If you are doing it for the cool look factor, that's another matter entirely, but harddrives are pretty bulletproof as long as you have good airflow over the drive. My 10,000 rpm Raptor idles at 27C, I've never seen it above 37C. It's rated for 55C max. It is a non-issue for me.....
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