some have, some don't. afaik samsung, transcend, sandisk, and crucial ssds come with one. alternatively you can also use free cloning software like macrium reflect.

it depends on how you look at it. if you checked their price/performance ratios, 240gb range is a better option. (cheaper relatively, with better performance and endurance, compared to 120gb range options)

i rather save more to get a 240gb range than settled with 120gb.

nand flash price hike might be imminent. there are already news about nand flash price going up since few months ago (due to shortage). in about a month's time, gpu price might go up again, also due to shortage (gddr5).

if you have some extras, i think you can still look for good deals at various places for now.

no problem; imo the better timing to get a ssd is always when you're sure you need one. also, to get one or not, it really depends on your situations.

if you have some extras (despite current exchange rates and on-going price hikes), and if your current computer is still running os on hdd, then it's better to get one. you will save a lot of time waiting for os and apps to load, and be more productive.

the bottom line: for a pc with 8gb ram and 3rd generation intel cpu, adding even a value ssd can make a significant difference