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You won't notice much different for producing. However, your system will boot up a fair bit faster. Go to storagereviews.com and look at the benchmarks, then decide if it is worth it. Velociraptors are pretty quick, but there are some 7200rpm drives that come relatively close.
I wouldn't get an SSD yet. Among other things, XP/Vista don't support the TRIM command and you need to run a trimming tool manually. Too much hassle, IMO. I would wait until SLC drives become affordable and Windows 7 is RTM.
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