Greetings EEVBees:
--In the past couple of years, every computer I have built, for myself, family, and friends, has a 64 GB SSD for Windows 7 and programs only, and two 1000 GB drives, one of which is used for automatic backups. I also employ a couple of 1000 GB Clickfree external backup drives, at least one of which is always kept in a fireproof safe. I use Truecrypt for sensitive material, and also for programs that tend to set off the virus software.
--By building computers from whatever is available cheap at the time (I use Geeks and eBay a lot), I am able to afford to max out the RAM. My best computer at the moment is a run of the mill Geeks "special buy" MSI MB and AMD CPU, I maxed out RAM at 16 GB, and put it all in a giant Whisper case I found in a dumpster, along with a 700 W PS, also found in a dumpster. Also, every computer I build has fans everywhere there is a place for one. I am not a gamer and the total cost of my equipment, since is not cutting edge or latest generation, is very low, but my reliability, and redundancy are very high. I also have a couple of run of the mill Acer Laptops, that I bought broken, and then refurbished, and replaced the HD with, you guessed it a 64 GB SSD. The result is much faster boot, faster operation, more battery time, and less heat. Heat is a major problem with the cheapo Acer's as they have inadequate fan cooling, and a tendency to accumulate "woolly boogers" otherwise known as "dust bunnies" The result of all these hardware precautions is that I flat do not have computer problems.
--At the very minimum, I would recommend, using an SSD for OS and Programs only, and a large HD for user files, with some provision for backup. Do not put all of your eggs in one basket.
--Lest you think I am wealthy, I should tell you that I am retired and live on a very limited income. Every cent I spend on my Electronics and Computer hobby, comes from recycling, and sales of repaired items and parts. I have EEVBlog to thank for much of the knowledge that has allowed me to do this. So thanks to Dave and all the EEVBees who have posted so much free helpful information.
"I wear suspenders and a belt. I am a security man all the way"
Justin Wilson (The Cajun Cook) 1914 - 2001
Best Regards
Clear Ether