I'd argue that unless you are looking at extremely budget laptops, an SSD is necessary as it saves so much time. Whenever I build a new computer, ones with SSD's are easy to setup. Everything is installed extremely quickly and I can be done with the heavy duty stuff in about 20 minutes. Mechanical hard drives, whilst larger, will take me 2 - 3 hours to get everything installed and after that, the start up process for windows takes an age after you boot in (everything runs at snails pace) and god help you if windows "quietly" prepares a new update as that will use all your disk and cause massive stuttering in any game you play for the next 20 minutes.
The best combination is definitely a small SSD and a large HDD as you get the best of both worlds. Speed and storage. At your budget, the best laptop is that second choice with a 128GB SSD and a 1 TB HDD. Whilst you can get an external SSD, the performance benefit comes from having your Operating System installed on the SSD and reasonably, you'd have to buy a laptop with an SSD unless you want to render your laptop useless if you can't use it.