SSD is a luxury item, you should only get one if you have money to burn (literally)
-by that I mean if you could burn the money and still be fine. Then spend it...don't spend what you can't afford

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I never recommend 'Build and Forget' (BaF). But then again I make my money with my computer. So I can't afford to send it ALL in for repair/replacement.
I know of no company that would allow you to say send back the monitor of your BaF. You would need to send back the entire unit that was purchased: K&M, Monitor, CPU (aka case)
Whereas, with a DIY, if a video card goes back you can make a quick run to the electronic store (ie Best Buy). And pick up an emergency card while you either send the damaged one back or order a replacement.