The chance that there would be so many fragments that the system couldn't track them is almost zero for close to 100% of users. Your average person would have to work on hundreds of files, saving multiple versions per day for several years before that would ever be a factor.
On the SSD you are seeking a balance between the consequences of fragmentation (close to zero over a 4 year period for most of us) and the limited number of read/write cycles before a memory address breaks down and becomes unusable on an SSD. An SSD should only be used for system files which are infrequently changed, not for data. In that case defragging should never be necessary and your SSD will last its longest.
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