For me, I rather spend the extra money in upgrading my graphics card or cpu instead of buying an SSD. Maybe when price goes down later on, I will purchase one. 

Alright, but what if you've already bought the best card you can shove into your rig? And honestly, SSD is still a good investment, because its already been mentioned, loading times can really svck the life out of games, but i've also stated theres alot more subtle effects going on in the background.