Hi Jim
A couple of things. Ive never known an SD card to wear out. I have damaged one by placing it in my computer card reader instead of downloding the pics from the camera.
I have also lost one when my camera was stolen in Spain last year.
I had a lot of pics on that camera and of course I cant get them back. I now always download my pics to my computer ASAP rather than risk losing them from my camera.
Jim