I'm simply not going for the early-adopter pricing. I don't shutdown/boot my PC everyday (more like once every 2 weeks) and really the only app I consistently have to run is Chrome so it's not a huge deal to me. If it loaded my games faster then perhaps I'd strongly consider it (someone said it won't?). And a new OS while I'm at it.
I'm still on Vista too. Rest assured, next PC upgrade I'm all for it. Just don't see a need yet with how I use my PC (play videos, streaming server to tablets/roku, google play music, browsing, 1 or 2 large games, storing and uploading pics/vids with OneDrive). Correct me if I'm wrong.
What early adopter pricing? We haven't seen that in at least a year or two, if not longer. If you expect them to be on parity with HDDs, that's illogical and just not going to happen.
Also, games DO load faster, people telling you they don't load faster are uninformed, now I will freely admit there are tons of games that wont benefit from an SSD, but games with long load times will certainly be improved, games that have frequent loading screens will also be faster. It's the games that already run fast on HDDs because they aren't loading huge files that you wont see much of an improvement.
You're obviously free to do what you like, but the largest bottle neck in your system is your hard drive, period. And once you DO switch to an SSD, good luck ever trying to go back to an HDD, you will want to kill yourself.