i assume it would only affect games that go long periods without accessing the hd, which wouldnt be many. most games access the hardrive quite a lot if not constantly.
i dont think its options you can change either, it depends on the hardrive itself and how its made, what controller card it has inside it etc. not the actuall hardrive itself
ive got one hardrive that is totally incompatible with ps3 because the controoler card has a fake dvd drive inbuilt and the ps3 keeps seing it so multiman wont find the games.