depending on what you are copying and the app copying it, might not need --vfs-cache-mode
would have to use a debug log and look into it carefully for issues.
as for wear, no sure that should be a concern, at least not for me for the last several decades.
not sure that really matters too much either.
and if all that is really a concern, can buy a cheap 250GiB drive for $25.00 and and if needed, usb2sata for a few more $$$.