Hard drive speed should be little concern for you they all are going to plenty fast being sata and little difference would be made, i would really be looking into back up, maybe two 1tb and raid 1 mirror for protection.
The solid state MLC drives get a lot of bad reviews. While I don't have any personal experience with them I wouldn't look at one for a gaming or work machine just yet. I'd try it in a laptop, but that's about it.
Option #3 is essentially what I have - 74GB raptor and a 1TB data drive. That is probably best if you'll be using it for work and gaming and need the best performance. In all honesty though, the 1.5TB drive for all would work perfectly fine, and you probably wouldn't see much of a performance difference.
500MB/s read speeds vs 250MB/s provide little to no benefit in any desktop program.
You will certainly notice a 10k rpm or SSD drive with the OS & Apps on it- quicker boot up and quicker application start up.
If this is a completely new build from ground up, there are other ways to enhance performance. For example, using a regular video card for Maya & other 3d programs will be extremely slow whereas a $150 ATI V3600 workstation video card will smoke the $500 gaming cards in 3d programs. However, by far the best option for you would be to get the 8800GTS 640MB and "soft-mod" it. This is the last card that Nvidia did not laser-cut; thus, allowing you to soft-mod it to a FX4600. Just take a look at TomsHardware article released last week testing the GTS 280 vs Workstation cards.