And the best part about external storage is that if you have more than one Mac (most people I know do), you can access your data from any Mac you want. Just stick in the external and off you go.
You guys act as if HDDs fail left and right. I have HDDs that are 7 years old and still running. Again - yes, SSDs are more reliable, but you are actually expecting HDDs to fail? Do you expect everything mechanical to fail? You do know the fans in your computer are also mechanical and internal?
Yes, SSDs are generally more reliable. But that doesn't mean HDDs just fail by themselves. I've had computers for 20 years now, I've only had one HDD malfunction during all that time.