LOL. I'm going to bed as well. IS ocing worth it...the answer is no. I'll go more in depth and probably customize you a computer tomorrow when im free.
A while since I've been in this part of the forums...
Why the small disk?
When I bought a disk in May I found out that 200 GB gave the best space/money rate. That may have changed. Of course you save some money when buying a smaller disk, but not that much.
And disks have a tendency to get full. Specially if you're on ADSL or LAN.