What use do you need the high speeds for? High speeds give you more buffer at high frame rates and are necessary for better video, but if you don't regularly fill the buffer and don't do video you may not need a fast card.
SD cards have a life expectancy. Quality and storage conditions affect life expectancy but you should get five years or 3,000 read/write cycles, whichever comes first. Failure is sudden, so if you keep using cards until they die, you are likely to be inconvenienced. A better strategy is to buy new SD cards every time you buy a new camera or every five years, so that the risk of failure is low.