my sig. - has things you concerned about and THATS WHY I didnt add "hardware" passwords or our coperate 'encryption' (had to get official exemptions to do that) on my laptop(s). I also have a t420s with SSD (no raid) and that also has had major issues from DAY ONE with 'password' ,,,,,
so unless you really need that feature I would add that to SSD untill lenovo /IBM sort out their mess. if you do need it I would go with normal HDD.
as I compromise I have tested with a hybrid drive (non raid) and it works nicely and boots times are like any SSD with added bebefits. pity cannt use this drive in RAID ( well havnt tried so cannt say for sure what it will do)http://www.newegg.com/Product/Product.a ... 6822148591(No I dont work for this supplier nor work for Lenovo....)
Since most of the issues HAS BEEN documented in the above link.... and I am not sure if any of them been resolved by lenovo ,,,,
Hope this helps throw some light on this 'password issue' and is off some help to someone else