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Go with SSD. Modern, well-known manufacturers (not some backwater no-name from Wuhan) will last—and allow millions of read/writes—longer than the laptop will keep it’s warranty.

Consider an iPad. it doesn’t have a hard drive. Just memory chips. Have you ever heard of an iPad no longer working because it can no longer hold data? Much more likely you toss it because it’s old and you can’t get the latest software version of iOS.

https://yourbusiness.azcentral.com/ipad-hard-drive-21129.html

I spent many years with two 10 thousand rpm hard drives in raid O for the operating system. That was fast. Since converting to SSD drives - one for the operating system and maintenance apps and another for documents and misc programs - I find the SSD drives equally as fast.

Over the years I have found it best to keep the operating system on a different drive from most documents and programs... or at least partition the drive and separate them that way.

Oh, and a portable backup drive for all things that you really need to save. All of it will crash or die eventually.