Most of my reading of anecdotes has led me to believe the greatest problem lays with what I think of as 'mom taxis'. The pump is in the tank and cooled by the fuel. If the vehicle is typically or extensively driven with less than a quarter tank of gas - as in someone driving it around like that all the time and only throwing a few gallons of gas in at a time - it's gonna fail sooner rather than later.
That said, the missus' '05 Tahoe has 165k on it and going fine.
From what I've seen / read, you're more likely to get no notice of the pump quitting, rather than increased noise.
I've stated here a few times that I intend to deliberately change mine at a time of my choosing, rather than waiting for it to fail on me. And since much of driving is either commuting on L.A. freeways or in SoCal deserts, that heat also encourages me to do it sooner rather than later.
There are several interesting vids of people cutting holes in floor pans to get right at the top mounting ring of the pump. I had one in particular bookmarked but can't seem to find it right now. Guy laid out the grid and reference measurements, it was right under the 2nd row driver side seat. And he did a pretty decent job of patching it back shut again. I think it's a decent method. Beats my trying to wrestle it out from beneath, in my driveway. Be a good excuse for me to buy an air-powered nibbler, too. Spark-less cutting, clean and fast. Some work pop-riveting some sheet metal flanges around the opening edges overlapping from below, a fat sealing bead of 100% silicone caulk, drop the cut out piece in place, and over top it with either adhesive metal-foil tape (true 'duct' tape) or butyl rubber window flashing, or some of that sound-deadening rubber membrane. In and out in a jiffy with little mess or strain. That's worth cutting a hole in the floor. And part of why I sought / bought a 14yr-old vehicle. So I could modify it with little concern.
I'll see if I can find that vid I'm talking about.
eta found it with a few more key words
https://www.youtube.com/watch?v=Ho2pk8okztE
rockauto.com has the pumps for under $200.