...you can hear the clicks of death and all that jazz before they die, but with SSD's I get scared that one day it will just go dead.
You've got an overly optimistic view of how conventional hard drives fail.
Yes, they often start showing issues like bad blocks or SMART errors or misbehavior, but it's quite possible for one to "just go dead." I've seen it happen in person, ranging from completely failing to power up, to a loud "click" and it's dead, to chips physically burning themselves up.
In fact, the sort of failures that spinning HDs give you some warning with--which are largely mechanical, such as a failing motor--are the ones that SSDs shouldn't even suffer from, due to lacking those parts.
Now, one potential difference is that if you're rich and/or desperate, there's a pretty good chance of an expensive data retrieval house of being able to extract data from a dead drive's platters, and while I don't know enough about SSDs to say anything for certain, it may be more difficult to deal with the same situation. But then, most of us don't have $5000 laying around for data retrieval, so that's arguably not even an issue.
As for the lifespan, due in part to wear-leveling done by the drive's firmware it's way, WAY longer than people seem to think.
This article explains how a more-reliable drive, lasting about 2 million write cycles (at 2008 capacities and speeds) could be constantly writing data at its max throughput and STILL last 51 years.
This drastically more conservative article, based on a microscopic SSD of only 4GB with conservative 50% wear leveling and a reasonable lifespan of 100,000 write cycles would still last a year and a half if it were writing 4MB/s 24/7.
A more realistic drive of, say, 128GB, using the same 4MB/s writes 24/7, 50% wear-leveling efficiency, and 100,000 cycles would last you over 50 years. Even if the life of the memory were a paltry 10,000, and most people are NOT writing 4MB/s through their drive at all times (that's 345GB/day), you'd get 5 years. And if the wear-leveling sucked horribly, the only side effect would be that the drive's usable space would shrink by about 1% every year.
You can plug your own numbers for wear leveling, longevity, and write volume in and get different estimates, but the bottom line is in real-world use something in the drive is almost certainly going to fail before the write limit becomes any kind of issue, and in real world office-level use you would probably die of old age before it started to hurt.
[Edit: Just to add a real-world use number, my main home Mac has averaged about 5.6GB written to disk per day, which includes at least 3GB of video saved, moderate web use, light development work, and a couple of software installs. Assuming relatively poor wear-leveling of 20%, a modest 128GB SSD, and a very conservative 10,000 write cycles, I could use my computer like that every day for the next 125 years before I'd notice decreased storage available. Heck, I could run that much data through the $21 8GB SDHC card for my camera and it'd still last 8 years. Increase that to 100,000 write cycles or significantly improve the wear-leveling efficiency and the memory cells in an SSD would likely outlast modern civilization (or, more likely, the physical materials that make up the circuit board).
Point being, in normal use, NOT an issue. At all.]