Yeah I wouldn't call my F3 loud, it's just annoy considering how quite everything else is.
Everyone has different tastes and tolerances....
If fact I wasn't even blown away when I got my first SSD. Sure I booted Windows faster, and rebooting to tweak overclocks was much better but I didn't appreciate it like I should have...
That was until it failed and I was stuck on my HDD for two weeks, which became the worst two weeks of my life... (Over Dramatization)
But yeah, it's one of those things... You don't know what you're missing until you try it, and you don't fully appreciate what you had until you lose it.