I know of at least one netbook that allows the user to substitute an SD card for a hard drive. And it's pretty easy to substitute some CompactFlash cards for small hard drives.
My netbook uses a hard drive but has a built-in SD card slot. It's convenient for reading photos from my camera and transferring ebooks to my reader (which also uses SD cards), but I can, and do, carry a couple SD cards with me to use as external back-up storage.
One more difference between a proper SSD and a flash card is that the SSD has a controller that distributes usage. The memory locations within a flash chip have a finite life based on the number of writes and erasures they go through. An SSD distributes this usage uniformly. Another reason why SSDs are used to contain the Operating System and main programs, but a conventional drive is a better choice for data that needs to be fetched, rewritten, and erased.
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