G'day
Do Dell put a self destruct chip......?
No, neither does anyone else. Hard Drives are not perfect, it is not a case of if they will die but when.
From personal experience, I have a hard drive installed that is over 5 years old and still working perfectly, I had another drive manufactured by the same company that died after 2 weeks!
The moral of this (if there is one) is expect all your hard drives to die sometime soon and always backup what you want or need to keep.
If a drive is going to die suddenly it is usually when it is new, otherwise it will gradually degrade, which is why you/me/anyone else does not notice that it is dying until it stops and then everybody suddenly assumes it was perfect one second, dead the next.
As to it being just out of warranty, call it bad luck, I have had a drive die the day before the warranty expired, I have also had a drive die 4 days after. As noted above I have also had drives last a long time.
Geoff