From my long experience with computers I can assure you that a normal hard drive can fail as well. You will need a backup system anyway if you don't want data loss, no matter where you save your data.

A SSD costs more, but is faster. Yes, there is a write limit per cell, probably they won't work as long as a good HDD would. But a HDD can break too, even an expensive one.

My advice would be:

Use a SSD if you want to have a fast system. Use a HDD if you want to save money.

Use Backups in both cases, to prevent data loss.

A ship in port is safe; but that is not what ships are built for.
Sail out to sea and do new things.
-"Amazing Grace" Hopper

Avatar image of me done by Chidori.