You need a disk for the operating system (ie: Windows), application software (ie Photoshop), and user data (ie: Your own files). You need a disk, be it a HDD or a SSD, be it 128GB or 256GB or whatever size you like, for your juicy and chilling novel (your own user data) that you typed up using a word processor (application software) on your Windows (operating system) computer.
There's no such thing as needing a "scratch disk", it's not like you have to say "I want a new computer, so I need CPU, RAM, HDD, and oh, one of those scratch disks will do nicely" because the "disk" in scratch disk is really the same disk as the HDD or SDD you want, it is the same disk as the 128GB or 256GB you want.
It is just a technical name for how a software work. When the memory is full, the software will just put the work back on the HDD/SDD until needed, and swap it around every time you needed to do work on that piece of data.
Put it this way: It is a bit like, you are working with so much paperwork in your office, your desk (RAM) gets so full so you decided to put some of the papers you are not working on at the moment, on the floor (HDD/SDD) while you work on the other papers. When you needed "that other paperwork", you in theory, put the papers you are now not working on, from the desk (RAM) to the floor (HDD), and take the other papers from the floor, put them on the desk to work with.
Scratch, adjective, meaning "put together from whatever is available", as in for example: United is putting together a scratch team for the semi-finals. Hence if the memory gets full, the Photoshop image you are working on, would use both the RAM and the HDD, usually swapping parts of the file from RAM to "whatever is available", in which case the HDD/SDD is available.