Reliability has a cost, too. You can get a 60GB SSD for cheap (Amazon suggests it's about the same price as the slow 500GB HDD), and the SSD will fail at a much lower rate than that HDD.
And a raid1 pair of HDDs for the system disk is more expensive than a small SSD, more fussy, and the SSD is still less likely to totally fail.
[1] https://www.backblaze.com/blog/vault-cloud-storage-architect...