HDDs are cheap (now) because nobody uses then any more. The performance benefits of SSDs is usually huge. Obviously, that's going to be a massive generalisation but for most people it will do.
I would not underestimate the load that starting a quiz for 200 can impose on Moodle. While not being a *huge* number, it's significant. I would definitely recommend doing some sort of pilot and measuring what happens. No two Moodle sites are the same and it's VERY hard to give specific recommendations.