I appreciate what you are saying but you don't even know that I intend to photo edit and encode video.
There is no great expenditure for me over a SATA drive. Will a cheap M.2 PCIE adapter work or not?
Co-incidentally, I also use my Mac for photo editing and videos encoding.
Again, they are not hard drive sequential speed limiting.
For photos editing, SSD speed up the loading process, but that's mainly speed up loading the image icons, not the actual images. For photos, a 100MB one is a large photo already, even HDD can finish the loading within a second. Sequential speed doesn't really matter. However, when the UI try to show you multiple photos small icon preview. That's random small files reading. In this case, SSD can easily be 10-30x faster than HDD. However, for this kind of random small files reading operation, its actual output is rarely limiting by the SATA II bandwidth. If a PCIe SSD can show you 100 photos preview in 1 second, most likely a SATA SSD connected to the SATA II port will also show you that same 100 photos preview in 1 second.
On the other hand, a very fast scratch disk may speed up editing part if you run out of RAM. In this case, install more RAM is actually more cost effective than install the same SSD on a PCIe card (but not the native SATA port). I only do some normal size simple photo editing in my leisure time. From memory, I never seen Photoshop access the scratch disk with >250MB/s. Even it happened, most likely just in a split second, not even noticible by the user.
For video encoding, that's 99% CPU limiting. In fact, the real encoding process is 100% CPU limiting on the cMP (unless you intentionally put the video on a super slow USB drive or SD card to encode). The remaining 1% is some encoding software will try to load the whole video once before it start encodings. In this case, the loading process will be much faster with higher max sequential read speed. Let's say I want to encode a 100GB 4k video. It may takes 10hours to finish the job. TBH, a faster SSD may helps the loading in some case. But finish the loading in 7min or 3.5min before the encoding really start, the process overall still takes roughly 10hours, practically no difference. And this only happen in some specific software with some specific video format. Not happening in general.
As you can see, my cMP encoding videos by AME for 24/7
And the disk usage is like this (this including my cMP serve at media server, with some regular backup activities, both me and my wife use the cMP for general purpose, and some photo editing...)
I personally won't mind you go for the PCIe SATA adaptor. That's your choice, wont affect me at all. If that makes you happy, please go ahead. But I want to point out that's more for making yourself satisfy, not really help your work flow much in general. Since you asking for a budget choice, AFAIK, the best budget choice is actually plug in a SATA SSD into one of the native SATA II port.
Fast, cheap, reliable. You can only pick 2 of them, not 3. If you want something fast and cheap. I think your best choice is something like eBay or forum's market place. Looking for someone selling the used stuff for cheap. But of course, in this case, usually no warranty, and the card may not even functional properly (low reliability).
For your info, a single Samsung 840 Evo, plugged into the native SATA port gives you performance like this.
A PCIe SSD may load a bit faster, but do you think it really matter? I believe finish loading in 0.25s or 0.17s make no difference for a general user. Also, this difference most likely come from the SSD itself (e.g. SM951 vs 840 Evo), but not the connection type (SATA II vs PCIe x4).