I did the texture install first thing when I got the game and I have only had a freezing early on - none lately. So wrong there.
And these are all the Call of Duty forums and things are pretty quiet in the Ghosts section so far. So no big deal there.
You want to put tons of needless wear and tear on your Blu-Ray drive you go right ahead.
For sure - I still hear Blu_ray drives going crazy when playing Black Ops 2 so there are many that still aren't aware of this option.
I'm hoping/praying that Infinity Ward gives us this option for Call of Duty Ghosts.
I made a thread asking for this option in Ghosts - if you want to show it some love heres a link.