surely OS X isn't going to take 24 Gb of your HDD...I think unless you are using the mac solely for websurfing and email you should go for the 2TB fusion at minimum. With 24GB SSD most if not all of that will be taken up by your OS, and the rest will be taken up by the applications you have installed, leaving you 0 SSD for your media files. As you're doing some PS work it just doesn't seem enough for your purposes.
BTW you don't need the SSD portion of the Fusion Drive for media files, even with 128 Gb of available space.
OS and apps, you are looking for that.
Hardly a surprise for me ....I have a 2014 Retina with 1TB/128GB and those speeds are not far off mine. Maybe boot time is slightly faster.
Everyone here seem to know better than Apple how to build a Mac. We actually don't know if they tested the Fusion Drive logic and decided that 128 Gb was just overkill for a 1 Tb HDD.
I've yet to read a single review comparing the "old" 128 Gb solution to the new 24 Gb in real life.
But everyone have to complain here ....