I bought a refurb iMac from apple.com:
- 21.5", late 2013
- 2.9 GHz Core i5
- 8 GB DDR3
- Geforce GT 750M 1024 MB
- 1 TB SATA Disk
No SSD, but this should still be performing well for basic tasks. It's stock, other than installing Chrome, Spotify, FCPX. I have nothing running other than OSX 10.11.2 defaults (wifi, bluetooth, airplay icons in the toolbar).
An example of the problem: I click on Chrome in the dock - it bounces for 30 seconds, then no bouncing, then ~30 seconds later Chrome is open. FCPX bounces for about 2 minutes before showing the splash screen; splash screen is up for ~60 seconds before the app is open.
Performance while using apps (Chrome, Finder, FCPX, TextEdit) is good about 50% of the time, and beachball heaven the other 50% of the time.
Is this all because of the HDD? I have about half of the hard drive filled with movies, music, and photos that I manually dragged over from an external when I first set it up.