You have too much data to make SSD viable. You need cheap long term storage, so I would suggest 1 and 3. Get a large external drive. Copy the contents of the 3 internal drives to it. Replace the 3 internal drives with a second large drive. Copy the data from the external drive to the new internal drive.
Why two drives? The external can act as a backup. Use your internal as you normally do. Every now and then (or each time you get new images, if you're that dedicated) copy the new folders to the external drive. Keep the external away from the PC normally. Now, in the case of computer theft, ransomware attack, dead hard drive, etc, you're safe. Keep the external off-site and you're protected for fires and floods too.
If/when fill this larger drive, you have 2 free drive bays to add even more storage.
(I say this, and *nearly* follow this advice... but I just attached a "ProBox" 4 bay external box to my Mac. Two bays have old drives from my PC. New photos go on internal drive. Every now and then, I copy the new internal drive contents to a large disk in bay 3, and a backup copy in bay 4. They're always attached, so I'm really only protected from drive failure, but I've had enough drive failures that it's my main concern).
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