I don't have anything against Fusion Drive's speed - my gripe with them is that they still have a spinning HDD component in them that generates more heat, more noise and that its performance degrades with time.
Judging by your post it seems that your only issues with SSDs are mainly that you need more storage capacity than the 256 GB and even the 512 GB models and that SSDs become too expensive if you need 1 TB. I absolutely wholeheartedly agree - 1 TB SSD is outrageously expensive. I'd argue that even the 512 GB is too expensive right now.
However, if you need that much storage, I'd say that you're not storing your files properly where they belong. For instance, in your case, I'd store my iPhoto (Photos) library in iCloud. Music I'd either use Spotify and/or Apple Music and/or store them on a NAS. Same with movies, using NAS and/or Netflix/Viaplay/HBO/etc. When doing that, I think you'll get MUCH more available space on your Fusion Drive and that the transition to a full-SSD solution will be much easier.
This is of course assuming you're an average user and not using the computer for work-related things. If you're doing that, it's a whole different thing. But this of course boils down to personal preference, if you don't have a NAS or don't want a NAS, and don't want to use any of the many cloud solutions that already exists, you'll obviously need much more space on your computer. SSDs might not be for everyone but I think that 99% of all average users could adapt to them.
I have a 2012 with a fusion drive - it is SILENT - I never hear the drive running. And there is NO heat on the machine. Cold as ICE