no, I have to completely disagree with you, I absolutely cannot understand your thinking, but to each their own.
I've owned 3 SSD's so far, I bought one for every rig I built for myself since SSD became available, and I have to say the difference is night and day, especially when used in something such as a laptop, because most laptops come with 5400rpm harddrives, the advantage of an SSD really shines in small files (as soon in random 4k scores). this isnt theorectical, this isnt gimmick, I can testify that I've saved loads of time from just installing programs alone.
It doesn't matter how fast your CPU is, or how great your graphic card is, the fact is that these days, the hard drive is the slowest denominator in your system, it creates bottleneck in an otherwise decent setup, this is also the reason why any machine with mechanical drive cannot obtain a Windows Index score higher than 5.9, Microsoft understood this very well, they have good reasons. I cannot tell the difference between computers with Core2 or i7 Sandybridge when performing hard drive intensive work, adding a fast SSD dramatically changed that. When building a well-rounded computer, it is important to remove the bottleneck of the system, in this case, the mechanical drive. Games are not the most harddrive intensive application, (and please, photoshop is only 500MB, so I can understand if you don't notice too much difference). so if you only use your computer for gaming, well then, thats great, but people have many different uses for them.
I own computers with mechanical drives, and I sometimes use them side by side with my SSD rigs, the mechanical drive is just unbearable, it takes forever to install windows update, takes forever to install something like adobe suite or autodesk software, takes forever to open up professional software I use to make a living. autocad2011 and 3dsmax2011 takes more than 15 seconds to open on a mechanical drive where it opens in 3 seconds on my vertex 3. I use these software around the clock, and my work needs requires me to multitask between several programs, the amount of time I save from just opening software is well worth the money.
many of my co-workers can also testify that using an SSD has been life changing, they never thought their computer was that fast, even on old rigs, putting in an SSD breathed new life into their machine, I just recently installed an SSD in my boss' rig, he was just speechless on how much faster it is than the old mechanical, there is pretty much 0 wait time on anything.For many people I know, they pretty much all agree buying an SSD was the best investment they've made in a long time. if you don't use your computer for heavy tasks, I can understand its not that much difference than the mechanical, but there people who uses 3+gig softwares (with many small files) on a regular basis, and SSD can really make a difference.
Lastly, OK so for some people who tried an SSD before, but thought it didn't make any difference - I doubt you've tried a fast SSD, there are many slow SSD's out there for a cheap price, but before you've used something like a vertex 3, don't hit the nail on that coffin yet. I sometimes wonder why I'm wasting so much time typing all this crap, the stubborn people are always going to be stubborn, in the end tho, it doesn't really affect me in anyway, because really, I don't really care if they don't want to buy an SSD, because it's their loss. and me? well, for the time being I have 3 SSDs and going to get a 4th soon, and enjoying the living crap out of it.