Yes well said about the unmounting part and agree that the extra storage onboard is often worth it to make your life a lot easier. Though only if the cost is reasonable.
I'm more likely to damage external memory due to my clumsy hands, which betray me on a regular basis. I've damaged storage devices several times before and several through bad temperament 😑 After dropping my HDD during university and losing everything on the drive (that wasn't backup up), I became ultra paranoid about backing up regularly. I'd backup files to multiple devices, often to the first thing I grabbed, kept buying more storage devices if I spotted a bargain even though I never needed it. Done this for 8 years.
When furloughed I had had enough of the ridiculous amount of backup devices I'd acquired, 15 external storage devices. I had SSD's, HDD's, SD cards, MicroSD's, pen drives, my ancient Sony Memory Stick Duo and of course my collection of 8" floppy disks (joking 😂 Just however found out they existed from the IT guy at work. Vinyl sized floppy disks with 256kb of storage is just hilarious to me)
Anyway, it was a nightmare. Combining everything using my laptop and dongles, having to use programmes to delete duplicates whilst ensuring the original files with the correct metadata were kept. Never again 😫 Now just have 2 SSD's and one 5TB HDD for fast access/backups in addition to everything on cloud storage. I use Amazon Photos and Onedrive though prefer Google Photos, just that Microsoft 365 family was too good a deal.