That's a hard question to answer. SSDs tend to be fast, including in how they fail. But given this, I suspect that you might have some time. However, back up the drive, for sure! Even if you can't restore/clone the drive, you'd be able to recover settings and such from it. But ideally, you could restore from it.
And cloning the drive should be fine. Most everything is SSD aware anymore, so shouldn't be an issue. But also, sometimes a clean install is nice.