I would only worry about tools that actually modify something on your system. Everyone is entitled to their opinion. If you do a site search on here you'll find people praising some and others swearing at them. Some people swear by defragmentation tools, others say they're unnecessecary. A tool like smartmontools can be very complex to use and understand.
You need to be worried about tools that actually attempt to modify something, like a bad sector. Both Scannerz and Drive Genius provide warnings about attempting a disk repair using their tools. The Scannerz manual has a diatribe in it about "why you shouldn't do this" and tosses up a sequence of dialogs warning you about attempting a repair. They say to reformat using Disk Utility and zero the drive to remap sectors. Drive Genius does likewise with the warnings. Some of the others might do the same for all I know. On something like a Fusion drive where the volume management software relocates data between an SSD and its companion HD, this could be a real problem for very good reasons. My opionion would be to never use that option, even if the product says it can do it successfully. Some of the tools in that list are old, and file systems have changed, and drive management has changed as well.
Defragmentation on an SSD is totally unnecessary. The SSD doesn't seek around a drive mechanically because it acts like RAM. A file is obtained by simply using addresses of data on the SSD gathering the data up, and then sending it to the CPU. The only thing that will happen if you defragment an SSD is that you'll be using up SSD write cycles for no good reason.
Others with HDs will swear by defragmentation, while others will, likewise, swear at it.
Understand what Disk Utility does. Some tools appear to have some functionality that seems to be nothing more than a glorified interface to it. There's no reason spending money on functionality that's built into the OS for free, like formatting or partitioning a drive.
Apple should really put some surface scan capability into Disk Utility, but it doesn't. I don't think even AHT can do it. Unfortunately, with HDs, that's one of the biggest problems. Surface scanning is what I think is needed, at least periodically. It can't hurt anything. All any of those products do is read the drive for errors.
Disk Warrior has saved the skin of many users. I don't own the application, but when the index files of a drive get corrupt to the point that Disk Utility can't recover them, for many people, Disk Warrior has come to the rescue. Others haven't had such luck, and it doesn't support all formats (like Windows/DOS - at least I don't think it does). There have been a few times I wished I had it, but not many.
Keep good backups.