Personally, I just put my programs on my SSD along with the OS. Typically 120GB is enough space for the OS and most programs. AFAIK, it's recommended the stay below 80% full or so on the SSD so the wear leveling is more effective, but less than that is even better.
With your data folders, it actually quite easy to move the default Pictures, Music, etc... folders to another location in Windows. If you right-click on a user folder and select 'Properties', there is a 'Location' tab. From there you can just specify a new location on your mechanical disk and click on the Move button.
Another good folder to move is the system temp folders (Advanced system settings -> Advanced Tab -> Environment Variables).
Regarding your restore points, personally I just use a 3rd party disk imaging program (Acronis True Image, Macrium Reflect, Image for Windows, etc...) to manage restoring my system. With that, I disable system restore to save the disk space. TBH, this is something I'd recommend if you don't do this already - it's far more effective than system restore if you run into a snag.
Hope this helps! :)