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I'll buy the Disks and only bought some full games on the eShop.

A strange thing is that some games have always the same loading times (internal/ext. HDD/ext. SSD) and some games have significant differences like ZombiU (I had the Disk and now the digital version).
Internal flash is 13 seconds faster than the Disk, an external HDD is 4 seconds faster than the internal flash and an external SSD is 9 seconds faster than the external HDD.

USB 2.0 bandwidth doesn't seem to be the only limiting factor of loading times.