You work 5 days a week, 8 to 10 hours a day, the headlights are on all that time, you have 20,000 miles on the smart since delivery in April.
8X5X36 = 1440 hours on the headlights if you don't never drive at night on weekends or use the headlights as DRLs during the day. The life expectancy of an H7 lamp is 550 - 600 hours so maybe you're not doing too bad?