You have to write the equivalent data of the total capacity of the drive (including the internal spare blocks) before every sector (eg entire drive) shows 1 write. 1/10000 = .01 %. You'd have to write 25.6 TB worth of temp files to a 240GB drive before the drive showed 1% wear. You'd have to write 2,560 TB to a 240 GB drive for it to fail. Most of the largest writes are initial os and game and application installs which you only do once. If you wrote 1 GB of random crap and temp files every single day, it would take 2,560,000 days for the drive to fail. It would take two months of sustained writes at the maximum transfer speed of 500 MB/sec to reach that... yes 500 MB/s every second for 60 days.
Most of the paranoia is due to early drives and bad firmwares and controllers causing failures, and people who don't understand the technology mistook that for and assumed automatically that it was raw NAND life expectancy which it is/was not.
Most of us here who are really into SSD came from Raptor/Cheetah RAID0 setups where we voluntarily risked higher chance of failure and data loss all along for higher performance, and a consequence have always been in the habit of being diligent in backing up irreplaceable data. With current SSD speeds and the ability to image the *entire drive*, programs and all, at 100s of MB/sec in mere minutes, it's laughable to think people worry about SSD life even *big unlikely IF* they did have to RMA the drive in two years (oh noes it will take 6 minutes to reimage!)
Id be more worried that your SSD still has Windows 7 when everyone else has Windows 10 because you are too scared to format for fear of writes. For more perspective, I GAVE AWAY a Cheetah 15K RAID0 with a Mylex i960 64MB controller due to being obsolete and upgrading several times in a time frame much shorter than the expected life of a SSD.