I haven't tried an SSD yet. My current desktop, which I built several years ago, has three internal 1TB HDDs. The first contains only the OS (Win7) and programs. The second is for data and files. And the third is for a daily automated backup of the second. I don't bother backing up the OS or programs, as those are easily replaced. Additionally, the data and files are backed up weekly to the cloud, except for highly sensitive files like tax returns, which are manually backed up to a flashdrive and kept in our fireproof box.
For my next build, I'll probably use a small SSD in place of the first HDD to hold the OS and programs. Last I checked, SSDs are still way too expensive for mass data storage and long-term reliability is still a question mark. I've had my share of HDD failures over the years and it's never fun. But if you set-up an automated backup routine, it should be fairly painless. I tend to reinstall the OS every couple years anyway just to clean out the registry and other gunk. So, it's about the same effort as that.
For my next build, I'll probably use a small SSD in place of the first HDD to hold the OS and programs. Last I checked, SSDs are still way too expensive for mass data storage and long-term reliability is still a question mark. I've had my share of HDD failures over the years and it's never fun. But if you set-up an automated backup routine, it should be fairly painless. I tend to reinstall the OS every couple years anyway just to clean out the registry and other gunk. So, it's about the same effort as that.