Yes there is a hard drive coming. However, features such as save files and CD rips will be dependent on the software for the HD unit.
And yes, you may in future be able to 'install' a game to the HD - but you can bet your ass that you will still need the disc to play, just like most PC games.
There is no way in hell SONY are going to introduce a feature in their hardware that allows you to run games without the disc! SONY make money off each game sold - that's why you'll need to have bought the game.
- S
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