at the pricepoint of 1100PLN, the Vertex 3 offers only 0 IOPS, transfers measly 0MB/s and stores appaling 0B for me. Because it's way over my budget.

Your arguments were that a modern SSD is faster. That's pretty clear. But will such an SSD (of 64GB+) be available at the pricepoint of my budget? If not, your argument is moot.

A fast harddrvive can be had for reasonable price, as I'm willing to buy a second-hand ones. No such option exists for the Vertex 3 yet.

reitzensteinm found a more expensive offer for the harddrive -- that hardly invalidates my original point. Btw., newegg doesn't ship to europe, Amazon adds some heft fee ($77 S&H last time I considered ordering headphones, itself $134) and I don't feel like using no-brand, mail-order hardware from Hong-Kong for my home folder.

If I had spare $300, I'd first buy a pair of noise-cancelling (or at least well sound-proofed) headhones -- would be a better boost of productivity than faster storage.

I hope that's enough of excuse-making for not buying an SSD yet.