Well the HD is only used to store stuff not in use (until you start talking about virtual memory). Once an application loads it's stored in the RAM.
So when the computer starts the OS loads from the SSD to RAM. Then the computer starts and you're running off the RAM. When you open new apps and documents the computer takes the file from the SSD and puts it in the RAM.
If you're not opening new applications or documents, then you're running off RAM. Not the SSD.
You can also track HD disc usage in the Activity Monitor.
Yes, the SSD itself is unlikely to be generating the heat. My guess is that the processors is heating up because the SSD is less of a bottleneck than my old HD. My questions is more about this situation rather than the device itself.