Must you really have a ≥ 1TB drive "right now"? How big is your current SSD/system drive? The thing is, if SSDs are your baseline, I'm assuming you've also always had SSDs (or an SSD) that's been even zippier than the earliest ones, too, in which case I think you may quite seriously end up being horrified at how slow mechanical HDs seem by comparison. If it's at all possible, I'd suggest trying to find a friend/relative/kindly stranger on whose machine-with-a-mechanical-system-drive you can experience it for yourself before committing to spending that £50-100 on a drive you may seriously regret having bought (unless you're willing and can afford to turn it good use as a purely data/back-up drive...) If that's
not an option, then second best would be doing some web-searching looking for comparisons between real-world use of HDs vs SSDs (which may not be so easy to find these days, since SSDs have become so ubiquitous among gamers and and even only slightly enthusiastic enthusiasts...
Also, do you have any idea what current UK import duties on computer equipment from the States are running? I know your duty-exempt import limit is quite low compared to ours, so I'm sure you'd have to pay something on a HD if you bought it from a US retailer. And unfortunately, I have no idea what UK/EU prices on either HDs or SSDs are like. If you definitely want to buy "over there", it would be a good idea to edit your thread title to indicate that, or at least post a link or two to retailers there - otherwise you're going to get a lot of posts talking about drives available here in the US, at USD prices...