Is the difference of a SSD really that substantial?
To give you some idea of the magnitude of the difference... via maths...
Hard drives are limited by the number of operations they can do per second due to the physical movement of the drive head and the spinning of the platters. They suck at multitasking and worst case a SATA drive (depending if it is 5400 or 7200 rpm) can do 125-150 fully random (i.e., different apps pulling data from different parts of the disk at the same time) IO operations per second. This is because the read head and the disc need to physically take time to move to the correct place on the disk. If all the requests are say 4k blocks (not uncommon) that's a worst-case max of 600KB/sec (150 operations of 4k in size per sec).
Even a slow SSD from several years ago can do say 8000 IO operations per second (because there are no moving parts). Assuming the same 4k blocks, thats 32MB/sec (8000 operations of 4k size per sec).
If you have a lot of stuff trying to read/write to disk at the same time (multitasking) the IO requests will tend towards "random-ish" in nature. If your read/write sizes are bigger then replace 4k with the size of the data blocks involved and multiply out the numbers... the SSD always wins... up to the limit of the SATA bus speed. And then you can get m.2 SSDs that surpass that limit.
Best case, a hard drive may do 200 MB/sec or so, but the worst case performance as above just falls off a cliff. SSDs are MUCH better under non-ideal disk activity conditions as above. Like 50x the performance, worst case scenario for both.
edit:
I'm involved in procurement and administration of SAN storage, etc. at work so i've run the numbers for various solutions a fair bit. Anyone who has used an SSD machine will just know its "much faster" but the above demonstrates the why of it...
Also shows that the difference between say 5400 rpm and 7200 rpm is just different variants of crap if you plug the numbers in for 125 vs. 150 IOPs in the calculations above. Even the fastest hard drives you can buy are still horrible vs. SSD in a worst case (heavy multitasking) scenario.