OGELTHORPE wrote:
This does not reflect my experience. I have had HDDs, both internal and external which have been filled to 90%+ capacity encountering no operational difficulties.
The machine will work with a 90% filled boot hard drive, the slowdown occurs depending upon what data is on the second 50% of the hard drive.
If it's OS X and programs, they are going to "feel" slower as the heads have to reposition themselves more often as there are smaller sectors on those inner tracks.
As you can see by this image.

Hard drives first write data to the outter tracks and works their way in onto the shorter tracks that hold less data.
Since OS X is installed first on a blank boot hard drive, it's going to write to the fastest outer tracks first, then usually programs and users files kind of get intermixed as the data gets written further inwards.
So a new install of OS X on a 90% full boot hard drive might not feel that much of a performance difference unil later on.
When one upgrades/updates a OS X version to another, if the boot drive is over 50% filled it's going to write the new OS X version to the slowest part of the drive.
If one enables Filevault, it's going to encypt the contents of the drive and place it on the tracks further in, also slowing the read/write speeds of the data placed on those tracks.
So the object is to keep ones OS X and programs off the inner 50% and on the outer 50%, the inner 50% can be users files because it's something that expands and contracts, changes often and isn't used as much as the operating system or programs.
Ideally now with 10.7+ doing all sorts of background saving, TimeMachine local backups and versions, it's likely best with a hard drive on a new machine or after a wipe and fresh install of OS X, is to create a second partition in Disk Utiltiy just for files.
Many Windows PC owners do this, it's a shame we OS X users also now have to do likewise because they intetionally cripple one's performance to force a premature hardware upgrade.