Along lines of DD's suggestion. External storage (standalone or RAIDs) are getting faster & cheaper every day - use that to your advantage in terms of declining $$ / GB and ability to safely compartmentalize and backup files.
OS and Apps on internal SSD and files on fast external drives, stored in a logical fashion for ease of backups. Put in place backup system using larger/slower drives where speed not an issue and have a program like CarbonCopyCloner do automated backups on schedules you set.
Don't forget to also backup your internal SSD so can, worst case, get a new machine up & running easily. Rotating external backups, even if not a pro, are always a very, very good idea.
Once you have a system you're happy with, it becomes almost effortless and then you can grow it in terms of sophistication and speed as, or if, things warrant. It doesn't take much in terms of $$$ to get a good backup system & discipline started (you'll evolve it over time), but man, you'll kiss yourself in the mirror if you ever need it.