If ya really wanna get technical, unless you have no page files or dump files set up and run 100% on RAM when booting up and running your OS, your OS is constantly writing to the drive. On an SSD, you can't just modify a few bytes of data when you write, you have to read an entire block, modify it, then write the entire block even if you only want to change a small amount of that block, so even files that never technically change can be rewritten thousands of times over the course of a few years if they don't use 100% of the blocks they are stored on. With life cycles of only around 1000 rewrites for typical MLC, eventually bits and pieces of a file that share a block with other data could be corrupted over time, even if all you ever did was read those files. Technically the controller on the SSD will simply use some spare cells to keep this from affecting things, but that doesn't mean it isn't happening and that it doesn't reduce the overall reliability of the drive.
Again though, it is all semantics, overall both types of drive are very reliable on average, I admitted from the start that I was splitting hairs... I use an SSD for my mame cab and I have no doubt that in 5 years the data will still be just fine.
As for an HDD failing because of someone slamming into the CP, that is absurdity at the extreme.. Perhaps if you bolted the HDD directly to the underside of the CP surface... By the time the shocks from even an abusive player travel from the CP to the frame of the cabinet, to the PC inside that frame, to the drive cage inside that PC, to the drive itself, past the internal damping in the drive, it would take dozens if not hundreds of G's of force applied to the CP to actually affect the HDD in any appreciable way. HDD's can withstand many G's of acceleration while spinning at full speed without a collision between the head and the platter. If these things were that sensitive, laptop users would be seeing failed drives by the truckloads.
And not to be a grammar Nazi or anything, ffs, it's MOOT, not MUTE.
If you don't have at least 2 extra copies of your data, its just not that important to you.
BINGO, the ONLY way to effectively reduce the likelihood of data loss is with redundancy. You can get a fraction of a percent less likelihood of losing data by sticking to a good quality HDD over an SSD, but you can reduce your chances of losing data by 50% by just making a backup of it.