There's a 4th option. Cost. The fastest SSDs tend to also be MLC which tend to have much lower write life vs other technologies. This isn't unusual, increasing data density generally also makes it easier to increase performance. However, it's at the cost that the writes are typically done for a block/cell in memory rather than for single bits. So if one cell goes bad, they all fail. But even if that's not the problem…
-edit: this comment was purely focused at your first sentence:
>The fastest SSDs tend to also be MLC which tend to have much lower write life vs other technologies.
I'm not sure what you mean with "other technologies" in this case, SLC is indeed truly expensive for a significantly higher write life, and HDDs are debatable for their lifespan.