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Does no one care about power consumption? Mechanical disks use, in my experience, 7-15w all day all the time just idling. If you live in a high energy cost area the ROI on going SSD can be as low as 3-4 years. If you can afford it, splurge for SSD. I spent ~$800 on two 8tb SSDs and I'm very happy with the choice.
2 x 8tb HDDs is roughly $200USD
I don't know what kind of electricity prices you're paying, but to hit a 3 year ROI on your SSDs, you're paying at least $2.2USD/kWh, assuming the full 15W (232kWh/year total) consumption of the HDDs and assuming negligible power consumption from the SSDs.
Edit: average power consumption for HDDs read/write operation is usually around what you claim them to idle at, with actual idle consumption below.
Edit2: and to be fair I did take refurb HDD price. a refurb SSD is around $300 USD for 8tb, bringing the minimum power cost per kWh down to ~$1.7USD/kWh for a 3 year ROI.
When I bought them 2 years ago power in MA was $0.46 per kWh, this included transmission costs and all the other fees. 15W cost me $4.80 a month, so $57.6 a year and $230 over 4 years. At the time 14TB mechanical disks were about $300 so it was about a $270 'premium' for solid state over mechanical so I exaggerated the ROI, but to me the 2x price premium was worth it for silence and no latency on retrieving my data. So in summary the ROI for me was more like 8 years, ignoring the many advantages of SSD.
Are SSDs reliable enough for this use case?
Any quality brand SSD (Samsung, Kingston, WD, etc) is going to be more reliable in every way compared to mechanical disks, they just cost a lot more right now. Do NOT buy off brand, random Chinese SSD, you will regret it.