As I said earlier, I'm okay with paying a bit more because I get to spread out the payments over nine months. If that wasn't available to me, I wouldn't be getting any computer at all right now. (And I really need one.) Plus, you get a lot of full version software and a carrying case with the bundle, which is convenient.
I'll try to score a good deal for the SSD in the future to mitigate the mark up here, but you guys don't need to debate anymore as I've already ordered it.
I do appreciate the advice though, so thank you everyone.