WHDLoad is fantastic and certainly worth installing. There is no way that I would play Amiga games as frequently as I did if I had to do it from floppies. I remeber the bad old days when I finished a season in SWOS and had to wait hours as it loaded each countries leagues from floppy-disk and showed their "results" - nightmare. And, also, the solving of some compatability issues is pretty brilliant too.
Oh, and surely HD not big enough shouldn't be an excuse anymore. They're well cheap.