To the OP, ultimately, I think you should just do what works for you. As you see there are a lot of ways to do things. I personally do a lot like what you are suggesting you'll do. I run all my software off a main (primary) SSD that holds my OS, Photoshop, LR, DxO Pro, etc. My database files related to photography (LR, my cataloging software, etc) are also on the SSD.
I then have 2 or 3 other internal drives of various types. I have a NAS drive in one of the slots. I don't like it. Read reviews of different drives. Some of them spin up a bit slowly. It would make LR a bear. I use that drive for movies and music, but it is accidental that it didn't house my photographs. The actual RPMs don't matter much from my casual use.
The photo drive is a 2 TB drive. I'll be building a new system next year, and I'll likely stick with that size. If you look at reviews of HDs on Amazon and elsewhere, the reliability at 1 and 2 TB is much better than larger sizes (or it was, I've not checked recently). I'll see where things are at next year.
I think you could just get a 2 TB for under $100 and be done with it. Overall, I think that as long as you stick with WD, Seagate, HGST or similar, you'll generally be safe. Some HDDs come dead on arrival, but I think the chances of that are the same regardless of brand. As long as you have backups, keep the receipt, and keep the warranty information, all will be good for you.
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