What you are talking about, is the level of player-seen-detail.
Turn around quick and cars disappear in GTA that were in the distance last time you looked in that direction. I call this the 'active area'. Has nothing to do with your HDD, or system, but a limitation brought about by the lowest common denominator - consoles.
All game assets are loaded before you actually run around. Textures to interactions, this bubble of action is hardcoded, and there is nothing you can do to increase it, unless you can get your hands on the source code and increase it (pipe dream).
No graphics driver, quad-SLI, or prayers to the video Gods will make any difference. No RPM increase in your HDD, or SSD RAID setups will make any difference.
Game assets are loaded before you play. They are drawn from a pool of memory and pagefile, and are out of your control.