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And I prefer to have a healthy bank account balance.

Storing 18TB (let alone with raid) on SSDs is something only those earning Silicon Valley tech wages can afford.

We bought a few Kioxia 30.72 TiB SSDs for a couple of thousand in a liquidation sale. Sadly, I don't work there any more or I could have looked it up. U.2 drives if I recall, so you do need either a PCIe card or the appropriate stuff on your motherboard but pretty damn nice drives.

Not really. I know that my sleep is worth more than the difference between HDD and SSD prices, and I know the difference between the failure rates and the headache caused by the RMA process, so I buy SSDs.

In essence, what we together are saying is that people with super-sensitive sleep that are also easily upset, and that don't have ultra-high salaries, cannot really afford 18 TB of data (even though they can afford an HDD), and that's true.

Well, again, well done on being able to afford it. I have 24TB array on cheap second hand drives from CEX for about £100 each, using DrivePool - and guess what, if one of them dies I'll just buy another £100 second hand drive. But also guess what - in the 6 years I had this setup, all of these are still in good condition. Paying for SSDs upfront would have been a gigantic financial mistake(imho).

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