So "in 2020" means you must buy what someone told you was up-to-date for this year?..
Let the OP reveal what parts he chose, many people don't know how to spend money so that SSD may not help speedup anything.
I agree modern games on the highest settings may freeze more without SSD than with it, but when your GPU and/or CPU sucks, when you buy 2*4 or 1*16 GB RAM - you will have freezes for different reasons anyway, so you just waste money now on something that can't fix anything for you, in this case I'd rather improve a CPU/GPU or add RAM to at least 2*8 GB than buy something that cannot improve my ingame experience. And no, no one cares about how long it takes for Windows to start, for a gaming PC people care about fps and only then about anything else.
tl;dr yeah having SSD may improve your gaming experience, but only when your CPU, GPU and RAM don't bottleneck your PC by themselves.