Buy the right one and don't buy twice. I thought like you do, but I often have had problems. No problem with my interior LEDs or licence plate LEDs since day 1 (Now ~10 months - total cost maybe 20€ for 5kits. - 10Leds for ~2€, some with a bit more power.)
Got some "quality" LEDs from "well-known manufacturers" (osram / phillips) and often had problems with temperatures and flickering after a while.
If you know what you need and are familiar with it, you can save much money. The shops also buy everything from china, test it and sell it for a lot of money. Here laziness and ignorance are exploited.
I'm not sure that paying for professionals to test your electronics to reduce the risk of failure is "lazy and ignorant", for me it's a conscious decision. Failure while in use and the consequent hassle of returning the product for replacement and doing the job three times outweighs the extra cost for me.