If there's one thing I wouldn't screw around with on a starship, it would be the hyperdrive; for Traveller, you're intruding into a different dimension, this is something you'd want to be completely confident in that it will work as intended.
As regards consumer electronics, my upgrade cycle is two years; there is little point in future proofing a personal computer. Processors are near indestructible unless you torture them with waterboarding and/or electrical shocks; or you drop it on their pins.
I haven't had a graphic card die on me for at least a decade, the weak links tend to be power supply units and motherboards.
I get a month long no questions asked return policy, and anywhere from one to five year warranty on components. I can drop of dead components at one of the retailer's outlets for return to the manufacturer, and so far half the time I just get store credit.
In Asia, the situation is different, because hourly wages are a lot less, so the big ticket item would be replacement parts, not labour.
Redundancy is factor that tends not to be appreciated; you pay for backups, so that if the primary unit can't function, you don't have to press the panic button; in other words, have a back up phone and computer. Then, you can take your time in either getting them fixed, or finding a replacement.