SSD is fine - while it works
An SSD can work fine right up to the moment it dies. Then its a messy surprise because your computer is bricked and you have to find another one to order a replacement part.
Disks die as well, but generally you have a bit of warning with corrupt clusters or such, so you can order a new disk, make a full backup, and get the replacement disk formatted and ready before your PC is bricked. Generally. Of course, bad surprises are possible as well.
For businesses, I don't think there is any question that SSDs are the future. With their backup procedures and IT support, if an SSD dies, there will be spares and personnel to get everything set up and running again quickly.
For individuals, I think a hybrid situation is best. I have an SSD for booting Windows, and all of my data is on HDDs. If my SSD disk dies, I order a new one, re-image that and I'm working again. If one of my disks starts showing trouble, I'll back it up on my NAS and have a replacement delivered in time to not be bothered.
I like the idea of TB-size SSDs, but I have to admit that, until SSDs can show a bit more durability, I'm holding off from putting my data on something that can die from one minute to the next. That said, my Windows SSD has been chugging away valiantly since 2011. Might be time for me to order a spare . . .