Agree completely with you about the SSD. I have a couple in my comp and they do help with loading times and making things snappier. But if I was drawing up a list of upgrades to improve ingame performance, an SSD would be near the bottom of the list. I've not noticed that much (if any) improvement in my flight sims. And they are still too darn expenxive and unreliable for someone with a limited budget for their upgrade.
Better to take a little extra time, save some money, get a decent CPU + Motherboard and then build the new system up around that.