PM863a is an enterprise model, rated for 1.3 DWPD for 3y, which is equivalent to 0.8 DWPD for 5y (the way DWPD are normally quoted). That's normal, non-write intensive, enterprise drive territory. Retail drives are more like 0.1 DWPD, QLC might be even less. The latest QLC enterprise drives are more like 0.6 DWPD, but granted they are also humongous
Most of the enterprise drives you will find on ebay will have health in the high 90s. Occasionally you find drives in the 85-95% range. Under 85% is usually disclosed (never happened to me to having less undisclosed, actually it did, but that was a 5 DWPD drive with 75% health, so plenty of life left). And they typically come from decommissioned data center servers, where they spent 5 to 7y in a stable, cool environment. Enterprises don't buy those drives because they plan to do 1 DWPD, 1 DWPD is just table stake for a drive in that market. The vast majority of those drives have hardly seen any significant write. And even for the write intensive ones (>3 DWPD), I think companies would typically overprovision the endurance to not deal with drive failures.
Retail drives on ebay is a much harder buy. Because of low endurance their health may be much lower, and god knows what the teenager you are buying from did with the drive. And lots of fake samsung SSDs that are just scams (will brick after a few dozen GB writes). Haven't seen any fake enterprise drive.
Then it depends what you plan to do with it. If you plan to use it as a cache disk or something really write intensive, then a 80% pretty much means 20% of endurance gone (health is usually more or less linear with bytes written). You still get to enjoy the bulk of its endurance.
But most homelab usage aren't write intensive. Maybe used in a NAS or as a boot drive, or to store VM. There 80% is pretty much as good as new. And again you are more likely to find a drive with >90% health on ebay.