Same here; IMO, anybody who says has either been very lucky or his experience is much different from mine and most people's.
I can't say I've ever had a seized spindle bearing so far, but I have had a few Seagates with heads stuck to platters and a couple of the notorious large Micropolis drives with the positioner stuck to the gooey stop, but by far the majority of my failed drives have read/write/home errors.
Interestingly I've had the same experience over the last two years - stuck spindles (not heads) and needing low level formats - with 5.25" Winchester drives that is. I haven't had a stuck head yet. The stuck spindles so far are always the 'we found it buried in the storage pile from ten years ago' drives. They're also not stuck, just the motor can't quite spin them anymore, once relubed they fire up.
I wonder if it's a case of luck, or if the bad drives died already. Drives I have running at the moment are:
NEC D5126 - I have 3 - one was dropped on concrete, the other two run like new
Seagate ST225 - I have 2 - both run like new (maybe a bit more noise) after a LLF
Seagate ST412 - I have 2 - both needed oil and LLF but run great now
Segate ST238 - I have 1 - works fine, but I got that off another collector
Segate ST251-1 - works like a champion
Miniscribe 30Mb - I have 1 - I hate it, it has bad sectors and is louder than my neighbour when that guy comes over, and it had to be rotated by hand to start with, but it still boots DOS!
Tandon 20Mb - took a few hits of the power switch, made some bad noises, but after ten minutes of spinning it's 'like new' , boots like a champion
So besides that 1 NEC, which has had the heads smashed off, I still haven't had one that I couldn't installed in to a PC and running reliably (debatable for the Miniscribe though).
Of course cheap IDE drives is a different story, and I'd still avoid Miniscribe like a disease.