Speed loss is unnoticeable with any recent hardware (less than a decade old) and typical workloads (even for developers). If concerns about losing data are a r

Speed loss is unnoticeable with any recent hardware (less than a decade old) and typical workloads (even for developers). If concerns about losing data are a roadblock, then you need a good backup strategy. You're already rolling the dice that you'll never have a hardware failure, human error, natural disaster, theft... I can't speak to your SSD wear concern or potential issues during password changes.