DavidC1,
I don't know what you're on about with the "screeching halt" with the SSD after a period of time, but there's no reason to conclude that will happen. That's mainly an issue if you fill the drive, but if you don't do that, or add Overprovision, or OP is already done for you it's really not an issue.
Even then, show me evidence that an HDD is faster than an over-burdened SSD. Not sure you have proof of that. I suppose it's not impossible, but extremely unlikely.
Other:
Wear-out is not an issue other for many tasks, like storing games. Even with the OS, 240GB is still plenty for most users so with wear-leveling algorithms and sufficient free space it will be many years before you have issues. Beyond problematic for most users.
Other:
One issue most people don't think about with HDD's is that they take a long time to come out of idle. Even when I clink on folders that may be in an SSD, or use Recycle Bin etc, certain tasks it can take over ten seconds for all my HDD's to spin out of idle. (Microsoft, please avoid spinning up HDD's that don't need to.)