My experience with regular hard drives is the same. One day everything is going swimmingly and the next day it fails to start.
I've been pretty lucky in being able to recover data from failing mechanical drives, and the SSDs I've had that have had fail have simply stopped working, totally, at once, with zero warning.
But we should all back up our data.
On my PCs these days, I back up to USB connected hard drives that I remove after backup. USB3.0 is a bit slower than SATA connected directly, but its still light years faster than some of the legacy hardware I have.
And I can't argue against the speed of SSDs. I even have an OWC unit in my PowerMac G4. After all, the size limitations for MorphOS drives rather suits SSD capacities.
Right. SSDs fail too, but unless you need huge capacities solid state is the way to go nowadays.
I use large drives as secondary data storage now, with SSDs for my boot/primary drive.
Combining the two gives me fast operation AND cheap mass storage.

Then again, I still use optical drives, so maybe you don't want to follow my lead...;-).
I even have a PCI SATA controller stashed for use in an future X5000, so I can support two optical drives along with an SSD boot drive and a large mechanical hard drive for storage.