IMHO Fans start out with a chatter/growl sound and initially quit after a few minutes . That is your warning call.
A squeal is also a possibility for smaller fans.
Case and CPU fans are easy to come by. GPU and (CPU) chipset fans tend to be custom nightmares
Been a long time since I heard a Drive Anti-static spring squeal. That design is pretty mature
I had poor luck with generic Health monitor tools
A good number of BIOS have a section devoted to PSU voltages and fan speeds.
You could try (F2 or Del is common) there the next time you COLD start (after an overnight)
To S.M.A.R.T status for your HD. I use the drive status tool on a Linux Live Boot (that wont always say bearing fail, but there might be other signs. Among them is Power UP time (I just replaced a 7.5 YEAR spin time drive)