My desktop PC has dual boot XP and Win7. XP only for the odd prog I still use occasionally which I've not wanted to pay for an upgrade, as it still does what I want.
They are on separate HDs. Which of course whizz round whether being used or not.
I'm more familiar with Enterprise SSD drives than consumer ones, but the classic wear caused by block erasures is completely predictable, and available in the SMART data (although not standardised between manufacturers). If you are using an SSD, you should keep an eye on how far through it's life it has gone.
Of course, that's not to say it might not die from some other issue before the cells wear out. An SSD is actually quite a complex storage array managed by its firmware, and firmware bugs are common, as well as not handling things like power loss gracefully at every possible stage of operation in the firmware.
The main thing is not to keep running speed benchmarks. They are very good for write once read many and especially small random accesses the seek time is essentially zero on an SSD.
I have had one of the Intel smart cache SSDs die on me that fronts for the big spinning rust disk. It basically no longer responds to the OS and is marked as DUD - the system still works OK without it. The OS and compilations are slower without it but I don't feel inclined to replace it. I also have a Samsung 830 256GB now which performs very nicely.
BTW I'd put your most used OS onto the SSD for maximum benefit. I only use mine for caching files that will accessed a lot and randomly.
Windows can be configured to spin down unused hard disks after a while and some variants of Linux can too. Try this at your own risk!!!
I looked at SSD life with journalling filesystems, and even with ext4 and 24 hours use a day they won't fail from wearout until long long after they've ceased to be any use to anyone.
SSDs do have data loss issues though, so I prefer to just use them for OS & swapfile.
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