Thank you
Are they reliable?
The "fusion'ness" is reliable. The SSD is reliable. The HD is an HD, and subject to all the normal problems of HDs. You expect these to die at some point --- if you're unlucky, after two years, if you're lucky after ten years. C'est la vie. That's why you have Time Machine...
Three points:
(a) If your fusion drive dies (for whatever reason, but most likely the hard drive) it's not the end of the world. Mac's can boot just fine off USB, and an external USB-3 SSD is still plenty fast. The HD in my (fusion) 2012 iMac died two months ago, I bought a 1TB Samsung 850 EVO (about $350) and an enclosure (about $15), installed OSX on it, set it as the boot drive, and life goes on, like before.
(b) If you are TRULY low on cash (so low that $100 makes a big difference) you can do the same sort of thing without having to wait for your HD to crash. Buy the cheapo machine, buy an external SSD (say 80GB in size), install OSX on the external SSD, and put your home directory on the internal HD. Obviously doing this requires some mac skills, so only go down this path if you know what you are doing.
If you are truly ambitious, you can create your own Franken-fusion-drive by fusing together the external SSD and the internal HD (I have a setup like this powering my 2007 iMac); but that really requires that you know how macs work, and are comfortable with the command-line and with debugging if anything goes wrong.
(c) It really is worth spending the money to buy an app to monitor your internal HD's health. SMART is not perfect, but it is better than nothing. There's no SMART monitoring app that's perfect (this REALLY should be something Apple provides, but what little they provide in Disk Utility is utterly useless); the best one I know of is DriveDx. You might consider it expensive for what it does ($20), but in the grand scheme of things it's not that much money to be warned of what may be a big hassle.