My take on it: if you've never used an SSD, and you're skeptical, that's totally normal. If you are in no position to be spending money, DON'T go anywhere near an SSD. Plain and simple. Most people will be perfectly content with a "slow" HDD, since they truly have nothing to compare to. Ignorance is bliss.
In my case, I was bored last year, and decided to look into how to speed up my computer (I had a little cash, and just felt like doing something to my computer). I started watching youtube vids of SSDs, and suddenly, I REALLY REALLY wanted one. I spent my $400 on a 160 GB SSD, and BAM. All of a sudden, my computer became blazing fast at all my normal tasks. As of now, it is comparable to torture to have to use any computer without an SSD, because the load times are just so much longer.
Essentially, the SSD does not "speed" up the computer. It removes the biggest bottleneck of most modern computers, thus allowing your system to work closer to its fullest potential. If you've never experienced an SSD, and you simply can't afford it, then just don't think about it. You don't need it, because you don't really know what it will do for you. Once you've tried an SSD though, it's a whole different story.
