From my understanding, the hard-drive is capable of processing game content on much higher speed then the dvd/blu-ray lens, one of the reasons why you are required to install all PS4 games to the HDD. This practice has advantages, as for why do we need a disk in, that's simple, after it copies itself to your hard-drive - then it verifies that you have a legitimate copy of the game, when you start the game you will notice the game disk will spin for few seconds, it's basically making sure you have a correct game (and not pirated). After that procedure, the disk simply stays idle.
Therefore games are much larger in scope which requires large files to fill the hard-drive. On average around 40-45GB per game for PS4 and I believe that will increase to 60-70GB in next few years, plus you also have to count the patches as well. They can range from less then a 1GB upwards to 5-10GB depending on the game.
The good thing is, HDD are not too expensive to upgrade and it's a simple process. Hope that helps a bit with clarification, welcome back to gaming. :)
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