We've only met the deductible once with the 5 of us in our family and that was because my wife and I had both had surgeries in that year.

Outside of that year we've never been close.

Wellness checks are fully covered like every other plan regardless of deductible.

I only really worried the first year we enrolled and after that we've always had the deductible available. Now the HSA balance is almost $30k after just a few years.