Solid State Drives are much more prone to failure than normal HDD
1) If you buy a cheaper one it may be more prone to failure because it may not be made for a high number of read/write cycles - look at the usable life of the SSD! If it doesn't have it advertised, it likely isn't a good one.
2) If you buy an older one with the old jmicron controller, it won't fail faster, but it'll definitely become worthless in a few months.
3) If you buy an older one that doesn't support TRIM and you don't download and run the optimization tool from your manufacturer it'll become worthless in a few weeks.
4) If you defragment your SSD, it adds tons of wear and tear and reduces the usable life by an insane amount. You never want to defragment your SSD
Any and/or all of the above are reasons of the above are some of the problems with SSDs.
Take your time to do research and buy a good one. Make sure you use windows 7 or some other TRIM supported OS to keep it running fast. Download any tools/software you can get to optimize your SSD (as most SSDs on the market that are a reasonable price are MLC instead of SLC, because they are cheaper to make per gigabyte but require more maintenance.)
SSDs are more physically durable than harddrives. They have no moving parts, and work in more extreme environments.
I have been running 2 computers with two separate Intel X-25 SSDs for the past two years without any issues. But that's because I take care of my SSDs. I don't do anything I shouldn't. I actually downloaded the Intel SSD Toolbox that automatically changes windows settings to optimize for a SSD. It also has a tool that I run every once and a while that I don't know exactly what it does (maybe if i didn't have an os that supports TRIM, it would fix that problem?)
They are very much worth the investment. But If you pay 40 bucks for one, start defragging it, and many of the other bad things for SSDs, it'll fail quickly. If you buy a good one and do everything right, it's a huge boon that won't fail on you anytime soon. Many SSDs have estimates on their usable life, make sure you do your research, check actual reviews from real tech people who use it and test it correctly, not just customer feedback from people who have no idea what they are doing, if you don't want to run into any problems.
Also, since those falcon computers said RAID was an option for SSDs, while this is true, and it can give you insanely fast data transfer speeds, TRIM is not currently supported in RAID. Which means that it'll start slowing down significantly more, the more you delete things (or things get deleted) from your SSD.