From reviews I've seen though the SpinPoint actually out performs the Caviar Blacks? And I've not heard of any reliability issues with them...
So the F3 is what 1ms faster? Your gonna notice that?
Your getting 2 more years warranty from the Black.
Samsung F3's haven't even been around long enough to see reliability issues. WD has been making hdd's for decades.
Like I said, you get what you pay for.