Hmm, I have SMART on in the BIOS/CMOS, but I don't think windows 10 uses it. I think its using its own stuff to monitor the drives...I know I set something up before with in windows.
I have also SeaTools that reads the smart drive log. One of my drives, the game drive, says its failing, but I had it for 20+ years and its really fine. My other drive is also that old , it use to be my WinXP OS drive, thats fine too, no warnings.
I have seen windows check the drives a few times after a system crash, to recover data on the newer sata3 drive. (My computer is over 10 years old, some parts are 5 years newer.
Oh I also use a USB thumb drive as a readyboost drive. heh
Needless to say I use an external backup HardDrive(s) USB 3.0.