I think the fear of SSDs is overrated these days. I've had one in use for over 5 years as a daily-driver OS disk, no problems at all. Of the HDD failures I've had in the past, only a handful allowed me to recover before final failure - the rest just outright died.
If one has any type of backup procedure, which they should regardless of medium, it's really a non-issue and the performance gain is real. Since I have one HDD remaining in my main system, every time it gets used, I notice the speed difference over the SSDs.
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