1. take a look at your installation right now. How much does it take? For 100 oyu'll prolly only be able tog et an 80GB drive. For me it's not enough
2. Installing games wont give you huge advantage (only affects loading times). Best is to install applications on it.
3. In IT prices drop very fast or new tech comes out for same price. This is ESPECIALLY true for SSD's.
4. All SSD's are ment to have X amount of writes. New generation of SSD's (smaller) can write considerably less, yet it should certainly be "enough" for years.
Read this articles for full explanation:
www.anandtech.com/tag/storage