"A fortune" and "performance" are both relative terms. I've got three 4-year old minis, a server with 10TB of drives, a base mini with only an upgrade to 4GB RAM, and a base mini with the 4GB upgrade plus a 120GB SSD. The latter two minis are used as entertainment centers.
As entertainment centers, running primarily Plex, performance of the disk drive is not a factor and I can't tell the difference between the two minis. The SSD does eliminate a moving part and I did it as an experiment. Cost was nominal since I was replacing a failed drive anyway.
The server might be faster with SSDs, but it's mainly streaming large files or accessing databases in the background (Calendar and Contact servers, Time Machine) or reference materials (online documentation, paperless household) for which far more time will be spent in study than in retrieval. The real killer in this case is that 10TB of SSD is really unaffordable. And even if I were given the money it would probably be better spent by replacing the minis with shiny aluminum models!
The 10TB of drives are all independent (no RAID or joining) but this has never been an issue in practice, and it surely makes backing up easier.