There is an effect known as 'hammering' which will kill your SSD very quickly. Hammering is when your are constantly writing and rewriting on your drive all of the time without any down time for garbage collection to do it's thing (using an SSD as a write cache for example... on something that writes constantly 24/7, or as a render drive, or as some other form of temp storage that is often replaced).
But after programs are installed they generally do not write much to the disc. Windows has updates, and registry changes, virtual memory (which you can safely turn off if you have 6GB or more of ram) and a few other little things here and there. Games have the occasional update, and then your save file, both of which are insignificant. Web browsers are constantly writing to your HDD, with all of the video streaming and flash games it is easy to do 1-2TB of web content a month through your web browser cache (and that's just with legal stuff 😛 ), so if you were going to be concerned, then worry on that front.
In general though, what everyone here is saying is true, unless you pick up a defective drive, your SSD should last just as long as a traditional HDD for most uses. If you are really paranoid then disable your virtual memory, move bulk files (like audio, and video) to a traditional HDD, and never use more than 80% of the drive at any one time (same goes for HDDs, but for different reasons). As always, keep backups of your important documents on more than one type of media because drive failures are simply a part of life, but you should not need to be any more afraid of your SSD dying on you than a normal HDD. Even SSDs known for having issues (like previous gen OCZ drives) worked perfectly fine from a hardware perspective, it was the firmware that was unstable, and now with updated firmware even those old SSDs work just fine.