OP asked:
"Is it possible to change out to a SSD at some point down the road?"
It might be "possible", but would be difficult AND very expensive.
To my knowledge, no one currently sells a replacement PCIe-based SSD blade drive that will fit.
Unless a product hits the market (and it WILL NOT be cheap), the only source will be used drives from ebay, etc.
Don't worry about the fusion drive.
If you have one, you already HAVE an "SSD" inside, along with an HDD.
Since you got the 3tb fusion drive, I'm going to -guess- that you have a 128gb SSD and a 3tb HDD.
If you wanted the fastest speeds possible, you could "split" the fusion drive, and run the SSD and HDD portions "as separate drives".
Thus, you could keep the OS and apps (and basic account data) on the SSD drive, and keep "large libraries" (photos, music, movies) on the HDD.
It's not much more involved to manage two drive icons on the desktop, than it is to have just one.
I'm right now looking at SEVEN drives mounted on my Mac.
And I know where stuff's supposed to go, as well.