Just sent away my second 10TB drive in a month for replacement (2 months left on warranty). Technically thesecond one still works, but when compared to the performance of the first replacement and the posted spec, it was about 100MBps slower even at 0MB usage, so off it goes today.
However, I agree with rycoaaron and crashtest. No need for encryption and the headaches and performance impact for a home NAS. There is nothing sensitive on it, and even if there was something I am forgetting about, I doubt it would be mined by someone. If I was that nervous about it, I'd bite the bullet, replace it out of pocket, and put a drill through it.