In short, you can't live a normal life because you're afraid of ghosts.
Are you serious?!? Where exactly is your data research regarding the failure rates of SSD vs traditional HDDs.
I really hope your screen name is just a name and you don't actually make recommendations to people who view you as an authority because your info is crazy. In our offices and in my personal systems then we've had several old machines that weren't used for months/years boot to a dead HDD and nobody is ever surprised when that happens. These are devices with moving parts so the points of failure are high enough that relying on a single non-raid disk to be reliable anytime you demand is ridiculous.