I think the 256GB SSD is definitely the best bang for your buck.
I would say it’s not worth it for the 256 SSD and 1TB HDD, because you’re paying $110 extra for a 1TB drive, which is WAY overpriced. If you want an additional 1TB drive, you can get it much cheaper separately. (e.g. here)
It boils down to price over convenience. If you prefer to pay a bit extra, and not have to buy separate drives and have them installed, then you’re welcome to do that too. 🙂