Money was an issue, so I suggested a 240GB SSD at $58 and a 1TB USB-C external Seagate hard disk for $75.
Now it boots in 20 seconds, and disk transfer is up to 60MBps. External disk transfer is similar.
The owner is over the moon about saving money and the increased speed. The fact is that most of his old hard disk had stuff he never accessed – it’s now all on external storage.
The moral of the story is go SSD internally for speed but settle for a smaller capacity. Relegate your storage to slower and cheaper external HDD.