I was looking into upgrading storage and ended up opting to buy 20TB in HDDs for my NAS.
I have to shuffle Steam games around but at 10Gb, it goes pretty fast (and you can run most games directly off the NAS) and the array can survive if a drive fails (ZFS).
You need the extra hardware to run the NAS but HDDs are a significantly cheaper option and you don’t need SSD speeds for most things.
As an aside, I just read that zswap is getting a pretty big performance increase: https://www.phoronix.com/news/Linux-Better-Zswap-Performance