The more ram than 4 GB will not be faster than an SSD. In real life scenarios 95% of the people out there will not use more than 4 GB of memory. So what does windows 7 use with that extra memory, it uses Superfetch to load the most common used programs into memory. Problem is even with 8gb of memory (4 real and 4 superfetch) you can't load your entire OS into memory let alone your most common load programs.

SSD feel fast not because of the raw transfer speed but because of random access times (how long of latency it takes to pull the harddrive). Hard drives have latencies about 10 ms, while ssd have latencies of .1 ms or a factor difference of about 100. Anytime the computer has to get something off the harddrive the computer just "waits" until that information is pulled, the SSD more or less eliminates this waiting time, while it is still there on a hard drive. Now the difference between 10 ms or .1 doesn't seem like much but when you are pulling thousands of miniature files (which is how the OS works, all these dll, drivers, and files) those thousands of files means the difference between 10 seconds of waiting and 1/10th of a second.

Trust me once you go SSD you won't go back, SSD are now cheap it is easy to find an SSD for less than 2 dollars a GB, that is all you need to install your OS and all your programs (with the exception of games, but that is what the 1 TB is for.)

Edit: I forgot to put a not in sentence number 2.