As far as I know, the only con against switching to an SSD except its price is the tendency to fail soon (relatively to conventional HDDs) in case used in active read-write operation. Is there an efficient way to predict the failure?
Yes there is, and you're in luck, your SSD already has it built in.
It's called S.M.A.R.T. - "Self-Monitoring, Analysis and Reporting Technology", and it's made to monitor and report (potential) problems with the drive.
Most/all modern operating systems relay SMART alerts from the drives, plus there are serveral SMART reading utilities. Check out this SU question: How can I read my hard drive's SMART status in Windows 7?
Also maybe check out: Are SSD's really reliable enough for power users?
Really, when it comes to SSD longevity, you're worrying too much. ;)