After arguing your case that saving a few bucks on a cheap TLC card is a more sensible choice, you then double back and basically agree that even if warranties are honored, you've still potentially lost that video you needed. And that's setting aside your unsourced random claims about legal requirements, about which I remain highly skeptical and wonder how much you'd want to spend in court fighting them on it even if it were true.
Part of the reason I've asked people in this thread to provide sources is because of misinformation like the number of write cycles and resulting life expectancy. Not just that it ignores the quality of build and yield quality, but when a manufacturer claims 12,000 hours of recording, then in your scenario where you're recording 12 hours a day that's nearly 3 years, not two. And that's at 26Mbps recording rate, as compared to the SG9665GC's 15Mbps rate, which nearly doubles that. And that's in an MLC card built for heavy duty. That has ECC, which for some reason you insist is irrelevant and meaningless.
I would imagine that by the time 5 years comes around and you're thinking about replacing your card as preventative maintenance, you might also be looking for a new cam altogether and there might well be cool new technologies out there that mean you don't just keep buying the same microSD card again and again. But even if you do, great, it's cost you $10/ year. If you're replacing a cheap TLC card every 12, 18, or 24 months, how much are you really saving? Even if you kept that TLC card the entire time and fate smiled at you with no failures, you've still saved, what, $5 every year? Total? A penny a day? For a gamble?
And please don't then double back again and try to justify your purchase of a 256GB EVO+ card that costs way more than the others. I support you buying that card. I think it's great, and it's an exciting new technology. But it's not a decision you're making around cost savings. If you get 5 years out of a Transcend 64GB High Endurance, then if you're going to spend 4x that on your Samsung card, do you believe you're going to keep it in your dashcam for 20 years?
I myself might end up picking up a V-NAND card at some point before too long. But that has nothing to do with cost savings and only out of a sheer sense of curiosity to see how it does and how it holds up. Personally I cannot fathom going through 40 hours of recorded driving video, which is about what 256GB will hold in the GC. But I don't mind being an early adopter sometimes and even paying for the privilege if it's interesting enough.