Lol way ahead of you, got 7 functioning hdd's and 3 ssd's, using 2 of the ssd's for os's, one windows, one linux.I would get a Samsung SSD when its on sale, and fit it with a USB enclosure. I leave this as NTFS to make connecting to other PCs easier.
I have my main onboard storage on SSDs separate from the main OS. This way if I ever do something stupid or need to nuke the entire OS, I still have my important personal/media files.
Theres a great program out there called "Timeshift", which functions similar to System Restore, where you can make backups of your OS at different dates and times, and set different time increments for it to make back up images. This way when you crash, you can restore your system to a more recent date and time. It can be ran inside the terminal too incase you fuck up the display drivers.(? Guilty)
In windows case no matter what i'd probably reinstall, but i'm keeping it in case i get a major failure, even this linux will be held over when i get my 4tb nvme ssd upgrade.