ZFS will definitely degrade write performance gradually from 90% utilization, and will hit a stronger cliff at 95%+. Same with SSD, using a consumer SSD above 90%+ utilization would rapidly degrade its lifetime. The effect will be smaller for very large pools and very large files, but the effect is stil there.
I'm repeating this so that people who set up these drives know what is actually going to happen.
Maybe because your statement about SSDs is incorrect. Consumer SSDs have spare blocks too, and wear leveling prevents the scenario you're describing.