Personally, I wouldn't worry about it. There is no great risk to having programs, pictures, documents, or whatever installed to your SSD. Whoever told you that was making it up, or was taking something so small and irrelevent and blowing it out of proportion. The problem comes when you start doing SSD testing, you can begin to wear it out with constant benchmarking.
But as SSDs are expensive, I would take all my music and put it on an HDD along with programs that I do not need to open instantaneously. I would leave the OS, OS files, and system files all on the SSD. Some people try to move the paging files and other stuff, but I wouldn't recommend it (especially not the Paging files), so long as you have enough room.