John - I think your best bet here is to get the system with Apple supplied Fusion drive setup (Apples SSD & HD combo).
While I agree with Mayer the newer hybrid drive are much better now you'll face some issues here with these newer '13 model systems.
To start with you'll loose your Apple warranty as you'll need to crack the system open to add in the SSD and the these newer iMac's use a PCIe SSD Vs Apples proprietary SSD (using the logic board SSD port).
If you change out the HD for a SSD you'll encounter the thermal sensor issue as I don't think anyone is shipping the new SMART spec'ed drives (HD or SSD) yet that use the better sensor method (Apple proposed it and it was agreed to last spring). So swapping out the HD for a SSD will be an issue here as well.
In either case I would strongly recommend reviewing the IFIXIT teardown before trying to opening your '12 or '13 iMac system as it's a bit tricky.
As to the different SSD technologies I'm not sure what you're looking for here. All SSD's have a wear issue. While some types handle it differently, you'll still face the point of the device failing. I would encourage you to stick with the Apple products and get the extended AppleCare if you think you'll hit this problem within the first three years you have your system. Most likely you'll be replacing it around that time any ways with the then current offering.
Lastly, backup your system! As you never know when doom hits and it might be something other than the SSD that goes.