I know almost nothing about Solr, so I donโt know the answers to some of the questions that need to be considered with this setup, but I can provide some things to consider. You will need to think about what failures you want to protect against and why, and make your decision based on this. In the end, there is no perfect system.
Both instances use the same files. If for some reason the files are damaged or inaccessible (hardware error, software error), the second instance will fail just like the first.
Are files similarly stored and accessible in such a way that they are always valid when their inactive instance is read? An inactive instance will try to read files when the active instance writes them? What happens if this happens? If the active instance is interrupted while writing index files (power failure, network outage, full disk), what happens when an inactive instance tries to load them? The same questions apply in the reverse order if an โinactiveโ instance is going to write to files (which is not particularly unlikely if it was not designed with this use in mind, it may, for example, update some kind of idle statistics).
In addition, reloading the indices sounds as if it could be a rather time-consuming operation and the service will not be available during its execution.
If the active instance needs to complete an ordered shutdown before the inactive instance loads the indexes (possibly due to problems with the validity of the file mentioned above), this can also be time consuming and unavailable. If the active instance cannot complete the ordered shutdown, you will have a bad time.
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