If you don't know what you're missing out on, a $200 Windows PC might make you quite happy as well

While I like using Apple products, I don't get some of their lower end products. You are still paying a premium price without actually getting much of a premium experience.
I consider FD to be a great way to bring SSDs to the masses. True tech enthusiasts might spend the premium to go pure SSD, but if you want many of its advantages without breaking the bank, you could do much worse than FD.
If one hardly ever restarts the computer, starts new programs, copies files or saves big files and doesn't have programs with a lot of I/O, having a slow HDD might work out. But I consider this to be way too constraining, too many ifs. It'll likely hurt resale value (by hurt I mean lower it to a point where the extra FD would have mostly paid for it self) and I notice that I always have use cases when I just want to close or restart a program without thinking too much about the implications.