It is true that many SD cards that fail in Raspberry Pi’s is because they are not suited to that type of use. It is not so much about the cost of putting a replacement card it, but far more about the loss of data, especially when daily backups were not being made, and the inconvenience of a sudden failure.
“Tested and certified by Raspberry Pi to provide the best stability and performances with all Raspberry Pi boards. A2 Class micro SD card supporting DDR50 and SDR104 bus speeds and command queuing (CQ) extension. Also available as preloaded with Raspberry Pi OS.”
It looks like US$9.95 for a 32 GB card.
See https://www.xda-developers.com/best-sd-card-raspberry-pi-easier