Who could have predicted this?

AI bad true, but there's no evidence this update did anything bad and ssd/hdd manufacturers and Microsoft have all come out after testing and said as much.

Negative placebo and gossip. Drives fail all the time, people (and media/youtubers for clickbait) see the headlines and blame the update.

I didn’t think a lot of drives were actually permanently borked, were they?

I’ll pitch in my anecdote: I updated to Windows 11 3878, everything was fine. Downloaded Helldivers onto my gaming drive overnight, and woke up in the morning seeing that the SSD was not being detected (WD Black NVME, no heatsink). Pulled it out, put it in another PC, saw that it was being detected, so I rolled back the Windows update because that’s the only other thing that had changed. Drive works fine again.

SOMETHING definitely happened, but I think it’s waaaaaaay over-reported tbh.