If I get the refurb 27" imac with ssd, it will have ONLY a 256GB ssd, not a regular hard drive. They incorrectly told me during the online chat that they couldn't do both. The refurb model can't have both, but indeed a NEW model can have an ssd and hd. So now what I'm confused about is where in the world did they intend my files to go??? Are they assuming I'm going to store all my photos and things externally and use FW? Won't that totally negate the speed savings of the ssd? I'm just not seeing the logic here. So I'm back to thinking I need to order the 27" refurb with the 1T hd and send it to OWC. If I do that, what is the most logical set-up for me? Is esata problematic? It seems logical to get because it would be so fast for back-ups. But to do that I have to make compromises. They won't sub out the optical drive (which I don't want to give up anyway) for the ssd. Instead they remove the card reader and give you a little USB version. Well that irks me, because I HATE how slow uploads are that way. (I take a lot of pictures with the family and all!) So if I want a 1-2T hd inside *and* the ssd, I have to give up either the card reader or the esata. Is the esata so problematic I'll be glad I didn't get it? Is there some other solution to my needs here that I'm not seeing? I'm still learning a ton on all this, being entirely new to macs. What I think I want is the ssd for speed, some space to store my everyday stuff, and some space externally (or somewhere else) to use as back-up. All I ask is that my connections for everyday stuff be screaming fast. Doesn't seem like it should be too much to ask, lol. Any advice? I just don't get what they were thinking and why they would sell a small ssd computer and not give a smokin' fast connection to add an external drive.