Well I'm not a techno guru either, but yes, more ram means less writing/reading to the harddrive (correct me if I'm wrong) because more data is allowed to be stored in the fast temporary memory (ram). Opening programs and such will benefit from SSD, but once it's loaded it also depends on the ram if you many running apps in the background. The speed of the ram is also a factor.
Working with video/photo with a lot of files back and forth would benefit from a SSD. Many people have a so called "scratchdisk" (os and system on a different disk than the files you're working on). A SSD would manage both processes easily (I think), but the storage is obviously quite limited.
All this means that having a small SSD with the OS and essential apps, only reduces boot-up time and the time required to launch programs. At least this is my understanding.
If all this is true then SSD wont truly shine before you get 500GB+. They aren't cheap.