Cloning the drive to the SSD is not necessary if you don't mind reinstalling Windows and all your programs. The reason people clone is to avoid all that.
If you are going to clone, you'll need to first make sure that AHCI is enabled in your BIOS (it's a setting of hard drive operation mode either IDE, AHCI, RAID). If it isn't enabled you'll need to tweak your Windows registry before enabling it. This article explains how to do the registry fix:
http://www.data-medics.com/how-to-enable-ahci-after-installing-windows.html
When you do clone, you should use software specifically designed to clone from a HDD to a smaller SSD as this will avoid a lot of problems such as sector misalignment (which can cause slow operation and untimely failure). I personally like Paragon SSD Migration tool (http://www.paragon-software.com/technologies/components/migrate-OS-to-SSD/http://www.paragon-software.com/technologies/components/migrate-OS-to-SSD/) but there are other's that sometimes come free with certain SSD's. These programs usually allow you to choose folders not to copy if you need to conserve space, and will correctly adjust your partitions to fit.
If you're going to do a clean install, you'll likely just want to install the SSD (and possibly disconnect the HDD to prevent accidental over install to the wrong drive) and install Windows/drivers/programs/etc. Afterward just reconnect the HDD and make sure that it's booting to the new install. If not you'll just need to enter BIOS (usually by pressing del or F12 during boot) to adjust your boot order.