IMHO Yes, If one is running an OS and the applications suite required to run nextcloud, with caching, logging, cronjobs, in short read/writes all of the time.
Although, good quality sd-cards, will last quit some time, I am in the habit of creating a backup img file of the initial sd-card once it is up and running and configured the way I want it.
As my ncdata is on an external drive, I make daily backups to a 2nd external drive.
In that way I am covered in case of a sd or hd failure.
That said, more I/O errors are from bad power sources and bad cables, than they are from bad sd-cards. (In fact RPI is not the best suited hardware for running NC, and though it will work, one should not expect high performance.)
It is just my personal opinion from personal experience, I am not claiming this to be an absolute truth
So let me DuckDuckGo that for you