OP,
Fusion Drives are great and have worked really well these last few years.
I love SSDs and I ordered the 512 GB SSD option for my new 5K iMac. However, I will also be adding a RAID 5 array to my new iMac as well, so that will take of my storage needs with speeds that rival SSD speeds as well.
SSDs are great, but they come at a price. Both in terms of cost and storage. Most folks that order a SSD in their iMac will also have to add external storage. There's nothing wrong with that if you're willing to absorb the extra cost.
If you are just an everyday internet user, a video editor that will only edit 1-2 streams of 1080p video at the same time, or a photography enthusiast...then the Fusion Drive is the best way to go. Honestly, only true power users that must access large amounts of data in real-time need the speed that SSDs and/or RAID can provide. So, unless money is no concern, the Fusion Drive is the best choice for most people.
Bryan