I'm either not explaining myself very well, or I'm misunderstanding the replies.
What I did was to follow your Feb 1 suggestions:
"Yes, you can do it with both installed.
Yu can first upgrade RAM and install the SSD as a second disk.
Then boot normally to the old disk.
Go to the Mac App Store and download the El Capitan installer.
Run the install and select the SSD and the location to install EC. You will have to use Disk Utility to format the SSD in journaled format if the SSD is not an option for install location.
After installing EC on the SSD yo can either copy data from old disk to new dis or use:
Move your content to a new Mac - Apple Support
To select which disk is the boot disk go to System Preferences>Startup disk and select the one yo want to normally boot.
You can always boot with the Option key depressed to select the boot disk"
This left me with my original Home folder on the (old) spin disk, and the new OS on the (new) SSD. My original Home folder is too large to migrate to the 240GB SSD if I add Applications as well. And what I would like to have on the SSD is the OS (El Cap) + Applications + my Users/Library folder, leaving the rest of my Home folder on the (old) spin drive that used to be my boot disk. I'd prefer not to move my original Home folder to an external drive, but to leave it where it is, on the (old) spin drive, but telling the new OS and boot disk (SSD) where to look. From what I understand, the (new) SSD with El Cap installed has created a new Home folder/identity, so I can't access the various files in my previous Home folder on the (old) disk when I start up with the (new) SSD. (By the way, my Home folder on the (old) disk is about 160GB. The Library folder alone is 100GB.)
So what I'm trying to do is to find a way to let the new OS/SSD, as boot disk, access my original files and documents on the (old) spin disk.