I had the same experience (Z Fold 4, screen protector at hinge broke at the five month mark - I replaced it with a third-party one to avoid a long repair period and another such breakage - the screen itself is now faulty at just beyond the two year mark).

If anyone were to buy a modern Samsung folding phone, I'd suggest you make sure you get the two-year coverage for the screen and assume it will break soon after that, so treat it like you're going to buy one every 2-3 years. But remember that warranty repairs sometimes involve sending the phone away for weeks, and Android's phone transfer story is still incomplete. That's merely my experience, of course.