Just to give you an idea of recent SSD vs HDD performance and reliability. Currently SSD's have a higher mean time to failure, which is just the time it takes on average for a drive to fail, higher is much better here as it takes longer for it to fail in some sort of way.
Comparatively for cost, yes SSD's do have a higher cost per GB than HDD, but right now SSD's for boot drives are relatively inexpensive ($60 can get you a solid boot drive).
One thing that gets brought up as a "problem" of SSD's is their write speeds not being significantly faster than HDD's. For some users it is pretty important to have fast write speeds but for the vast majority of normal people, read speeds are what you want as that will reduce times for: loading games, booting your OS, launching programs, etc.
Hopefully that helps give you an idea of why everyone here keeps saying put an SSD in your system, it really does make a difference.