"Ugh" will not stop Apple from switching to SSD in current and future systems (or other PC vendors). So if you want to be sure your data is erased, and you are not willing to use encryption of any kind for sensitive data, then your other SSD option is to put the SSD in a blender and turn it into dust (See the "Will It Blend" videos on YouTube).
Password forgotten, all data is lost.
That is why you have backups. Best practice is 2 backups each by a different backup utility, and one of those should be off-site. If you want, those on rotating media which can be erased.
Also you should be using a password manager that is synced to more than one device, such as 1Password, LastPass, etc... so that you can access your whole disk encrypted password from another device. Of course the password manager has encrypted the list of passwords, so you cannot forget that :-)
I guess you could hope for a new Solid State technology, that does not have the Flash replacement issues. One that is better, faster, cheaper, and does not need replacement sectors.
NOTE: This discussion of SSD's and Encryption may not be an issue for the OP. He may just want his current Mac to go faster. More RAM and an SSD will do that (for a price). Upgrading to a new Mac may just do that as well, again since many Apple products today are using more RAM and SSD 🙂