Hard drives are very nearly dead for hot storage. I expect them to by wholly dead by the end of 2020 because the TCO of HDDs is going to outstrip that of SSDs because of the fundamentally lower reliability.
I'd need for SSDs to actually be CHEAPER per gigabyte for the trade-off in expected lifetime to make sense.
PS: If your hard drives 'fail' try scrubbing (forced re-write) them every 2 years or so...
This doesn't tend to be an issue because the controller can automatically rewrite the cells as needed. What is an issue is if you leave the SSD unpowered for a few months and the cells leak enough charge to be unreadable.
My anecdotal experience matches yours. In addition, SSDs often fail catastrophically. Total loss of data, not just some bad sectors. They're worse than hard disks in that regard.
Use case also seems important as HDDs are relatively adversely affected by mobile usage.