I decided to look for info from Western Digital, since that is the make of my ssd. I found an article about using TRIM with their hard drives, but ssd’s were not mentioned. I then found an authoritative sounding article on Tom’s Hardware that said that TRIM is generally not needed with most newer ssd’s. The drives now recognize most major os’s which allows them to know when blocks can be freed. They then take care of it themselves. However, it also said turning on TRIM would cause no problems. Finally, I found another article that said the TRIM (fstrim) was on by default since the 18.04 kernel. So I checked my Zorin OS 15.3 system and found it was, in fact, enabled. Here is the printout:
jim@jims:~$ systemctl status fstrim.timer
● fstrim.timer - Discard unused blocks once a week
Loaded: loaded (/lib/systemd/system/fstrim.timer; enabled; vendor preset: ena
Active: active (waiting) since Mon 2020-12-21 15:20:06 CST; 23h ago
Trigger: Mon 2020-12-28 00:00:00 CST; 5 days left
dic 21 15:20:06 jims systemd: Started Discard unused blocks once a week.
This seems to answer it for me. However, the question of journaling remains. Until I find something that convinces me otherwise, I will continue to have journaling enabled for the security that it provides.