Bizman, note the following:
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On open world games like Star Citizen, GTA or Fallout, where you are moving around a seamless large map, it doesn't load the whole thing in at once, so you've got the system loading assets as you move around. If you're moving slowly, you don't notice it much but if you start moving fast, you can sometimes outpace the loading of the information off your HDD and you start getting horrible pop-in and microstutters, which usually has a huge impact on gameplay.
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Wiley.
The current alpha 3.0.0 Star Citizen release has microstutters which apparently go away when you put the game on a SSD. See this thread
https://robertsspaceindustries.com/spectrum/community/SC/forum/50174/thread/performance-comparisons/903190 , in the Jan 12 10:04am post, regarding test with game on SSD versus game on HDD. These micro-stutters don't appear to have anything to do with moving "fast", and can most easily be seen by sitting in space and slowly rotating your ship around the fore and aft axis. Presumably a design bug, but who knows when they'll get to it. And as you say, for that game, a SSD helps with the 5+ minute game loading time.
BTW, I have a pretty decent system, with Win7 Pro 64 bit, i7-6700K-4.0GHz, 32 GB DRAM, GTX 1070 8GB, 1080p 144 Hz monitor, etc. You can see who I am on Spectrum by my avatar, which is the same as the one I use here ...
EDIT: Some say Star Citizen's ship combat system is supposed to be "WW2 in Space". I always refer people who use this ludicrous term to Aces High, so they can see what WW2 fighter maneuvering actually involved.