Ever since I had to get new hardware because of a meltdown on my computer, I have replaced many parts and now will most likely have to replace the CPU as its getting too old.

I've been reading alot about SSD and want opinions from people who have them or have HAD them. Why would having a SSD for a DESKTOP be better? From what I've heard once SSD's are shot, you cant reformat to reinstall, you need a new HDD....