Absolute zero disk activity? No, I don’t believe you can accomplish this in any practical way.
I have at least one idea that will get you about 90% of the way there, but I just don’t think the extra effort that you’re going through is going to help your hard drive.
Move the Windows temporary files into RAM
When Windows is running, there are two folders on your machine for temporary files: one is for Windows itself and the other is for your user account.
Some Windows processes place files in the temporary folders, and as a result these files are continually in use. Some of the disk activity that you’re seeing is simply due to Windows itself reading and writing to those files more-or-less constantly as it runs.
Moving the Windows temporary files into RAM requires that you have enough RAM. You’ve already become dependent on the amount of RAM that you have by removing the paging file. Moving the files will make things worse because it’s actually going to reduce the amount of RAM available to Windows.
You’re going to trade in some of that RAM for something called a RAMdisk.
Using RAM as disk
Get and install what’s called RAMdisk software. This will take a portion of your computer’s RAM and make it appear as if it were a hard drive.
Now, I can’t say how big you should make it. The size that you ultimately settle on might be determined by trial-and-error; you want the dedicated RAM to be big enough to hold the temporary files that it needs to hold while you’re running Windows, yet small enough that it’s not impacting the overall RAM that the system has available.
Then, you can change the temporary folder settings for both Windows and your login accounts to that newly created RAM drive. I have an article, “How to change the location of Windows temporary files?” that should walk you through that.
Like I said, it will probably get rid of about 90% of the activity that you’re seeing, but I’m just not convinced that doing this will help.
Hard drives wear out
Your question is based on the assumption that using the hard disk wears it out.
While your hard disk will wear out eventually, you have to remember that hard disks fail for many other reasons: overheating, getting bumped, power problems, manufacturing defects, and more. The only way to avoid hard drive failure is to turn the computer off completely1.
Besides, the amount of disk usage that you’re trying to remove is insignificant when it comes to impacting your disk’s lifespan.
Your hard disk will die. It’s not a matter of if, but when.
The best thing that you can do (and you can probably see this coming) is to back up. There is never a reason to lose massive amounts of data if your system is properly backed up.
I realize that you are resource and revenue constrained, but there are free programs out there that will back up your machine. I would much rather that you invest your time in researching that than trying to remove that last bit of disk activity.