Sorry if I made it sound more complicated than it is. You don't have to do the whole process at one go.
Read/download Macrium Reflect free, does rescue media, Disk imaging, backups and more, > http://www.macrium.c...eflectfree.aspx
A vanilla image is the first image you take of the clean install of the OS that includes, Windows Updates all other updates like Chipset Drivers/GPU etc.
Firewall and virus protection, Browser and Macrium Reflect, but not programs like Office/Photoshop. This is your basic working system that you can reinstall to your System disk, in case of a complete disaster and you can start again.
Moving User Folders to a storage drive is slightly different in each version of windows, for W10 > http://www.dummies.c...-in-windows-10/
The second image. When you move the User Folders or install programs from say "C:\Documents and Settings\Owner\My Documents\DOWNLOADS" to another Disk, the path becomes "D:\Documents and Settings\Owner\My Documents\DOWNLOADS" so the two drives are linked. That image restores a complete working system.
There is a but.
Any new Data written to the system would not be included on the image you have taken, hence the need for regular scheduled backups, so after reinstalling an image you can update it with your saved Data backups.
You could do this.
Remember to disconnect the old HDD.
Get your OS working on the new drive.
Use Reflect to create rescue media, and save an image.
Post back for exact instructions for relocation W7 user folders.
If you need to keep using the computer, disconnect the SSD, reconnect the HDD and carry on.