I can confirm that the load times are nearly identical between an SSD and an HDD. I played the closed beta on my spare internal 7200rpm hard drive, and the load times were maaybe 3-4 seconds.
Now with it installed on my ssd, the load times are.... well, 2-3 seconds?
So not much difference.
Loading times are really fast and you load all the NPCs and players instantly in crowded areas, well worth it
Actually, SSD loads faster yes, but the change is unoticable in TERA and others games like that, since HDD can run them fine.
The difference though, if you have less RAM on your PC, you'll use the Pagefile.sys on your SSD, which is better by FAR than an HDD.
Other than that, SSD do not increase the FPS of non enormous loading games
Running TERA on SSD was about half the load speed of the 7200rpm HDD but the HDD was only about five seconds to load and I am usually one of the first to load into an instance or zone in a group anyway. If the rest of the group was waiting for my scaly healing hide to load then I might switch back but as it is now, the HDD is more than adequate.
I really don't see a significant difference. I have both SSD and HHD's in my computer and all you see is a few second difference in load times (I mean like literally only a 2-3 second difference, and thats when like teleporting to a different area or something).
Would be worth it to invest in a better GPU if you need one, or even some better memory, instead of an SSD. If you were playing a game that was load intensive and had you going through a lot of loading screens I could see a significant reason to go to an SSD.
On the plus side you will see a significant increase in boot time if you install your OS on it. Photoshop loads significantly faster as well. By all means get one if you really want one; they are great.
There really isn't a reason to get one just for Tera. I have my game on max settings with unlimited players being able to be shown and everything loads almost instantly, even in the most populated areas (within about 1-2seconds or less), on my normal HDD.