...The only real world reason would would need non-fusion is if you were doing professional level video/ sound editing. With fusion you get the best of both worlds, space and an SSD for faster boot up times....
I'm a professional video editor, and Fusion Drive works just fine. My 2013 iMac 27 boots in about 20 sec. I have most of my video data on a Thunderbolt drive array, but I've tested it on the FD, and it's OK.
Most video editing using compressed codecs is not I/O bound but CPU bound. You definitely want good I/O performance but after a point it makes no further improvement in workflow speed.
There's a difference between speed on a benchmark test and whether that translates into a significant difference in real world workflows. If it doesn't make an appreciable difference on your actual workload, it's just a number.
The internal SSD has faster writing speed than FD, but reading speed is about the same. Under most workloads reads outnumber writes by 5:1 or so, so FD is fast at the most important thing.
That said, the SSD will be consistently fast, whether running an app, used as a scratch area, or copying files. By contrast FD is usually fast but this varies based on many things, such as the I/O pattern (aka locality of reference), how full the HDD is, etc. If your I/O ends up missing the FD's SSD, it's no faster than a regular HDD. My tests show a 3TB FD can be very fast and hit the SSD "cache" when 99% full, so good performance is not limited to just 128GB of data.
In theory the reliability is better with SSD, since if the 128GB SSD or HDD portion of FD fails, the whole thing fails. However SSDs can fail -- one study estimated approx 1.5% SSD failure rate vs about 5% for HDD.
The internal SSD on many iMacs is a lot larger than the 128GB SSD on FD, so there are a lot more memory cells to fail, even if individually they are more reliable. If SSD failure probability is in any way proportional to storage size, a large SSD might have more chance of failure than a small one.
My two MacBooks have SSD and my next iMac will probably have SSD but FD is perfectly good for many tasks, even with fairly demanding I/O. If anyone blows their budget on an SSD iMac and have to use a slow bus-powered external USB drive, this can end up being slower overall than just using Fusion Drive. If you have no money limit or just work with little files, yes go ahead and get SSD.