Chances of HDD going corrupt is very less and when it is packed into a system then it won't happened as far as I know.
That's what I hope, but those numbers make me worry.
But you can afford ans SSD then just go for it,1TB variant nearly cost about $150 which is a more than enough storage for a normal user and moreover upgrading to SSD will imrove the overall performance of your system.
I have a smaller SSD for booting and for most important things, that will do.
The HDD is where I put the larger data, where the speed is not crucial, and it would be an ugly surprise to lose them.