I'm curious, did you tried one (ssd i mean)? Because 2 years ago I was using hdd's also and I was like you, why would I pay the huge price (250 usd at that time) for a 256GB ssd?
Until I used one and my eyes were opened, the speed, the responsiveness, the lack of noise, the seek times, the power usage etc ALL aspects were lightyears in front of any hdd. I didn't even want to hear about hdd's anymore, they were dead for me starting from then, I will never ever use one anymore. I paid 250usd for a 256gb and atm for that money you could easily get a good 500gb one. For 350usd you could get 1TB (I'm talking USA prices here). And prices keep going down ;)

I keep saying to all my friends: If you have an ancient computer (5-7 years old) just throw the hdd and start using ssd. You'll have a whole new computer, the changes (in better) are so evident that you wouldnt believe.

So i hope you wont try one, otherwise you might change your actual opinion :)

Good luck!

Yes. Not on my computers, but other PCs.

I agree on other fronts except the noise, as I can barely hear HDD sounds either (e.g. on this ASUS laptop, the low fan noise completely eclipses the 2.5" HDD sound. The only way I can tell whether there are any HDD operations ongoing is by watching the HDD signal light). So yeah, it is nice that SSD is completely silent, but the HDDs I use are very quiet already now, noise hasn't been a problem with them since the 90s for me.

In my opinion you are exaggerating. Yes, load speeds (hard drive operations in general) will be much better, but that's all. People probably care more about framerates etc. with their games than the load times, and with those the SSD doesn't help really. So, I would use that extra 300€ or so for a better GPU, CPU, more RAM etc.

If you still have money to spend after those, then yes use it for the biggest SSD you can afford. To me the SSD replacement would be quite late in the line of components to spend money on.

The good news is that the prices are going down. Waiting for 1TB SSDs to come closer to 100€...

well it has been bought here are some of the specs I ended up with
Intel Core i7-4770k processor
Nvidia GeForce GTX 760, 2 GB
16 GB RAM, 2 TB harddisk + 8 GB cache

I built a system in 2012 cost me a grand total of £170, PHENOM II X4 965, tower case with 450 psu, asus MB, 8 GB ram, sony dvd-rw, used my old hard drive via a ide-sata converter. could play all games upto 2009 with onboard gfx [amd hd3000]

I tend to lag behind in system specs, but as long as I can play old game I'm happy, had no problem playing witcher 1 & 2 on this system.

did buy a kfa2 gtx 750 ti low profile few months ago, had no problems playing games, witcher 2 on high, far cry 3 on high, metro 2033 on high.

but I do use an old vga 15 inch monitor, and play at 1024x768

I'm happy

depends what you want, can't see the reason why some people want to play on 50 inch 4k monitors..

Long distance or short or both?