We are both completly happy with our configurations. But neither of us does any real photo work or video editing. Pretty much email, surfacing, iTunes and some spreadsheet work. I think you would be happer with the retina display if only so you don't suffer from the "shouldagotB&Osyndrome".
I personnly do not see value in the SSD. I hear you on the external drive, but why not spend less and get more on board storage. Modern HDs are pertty darn reliable. I don't think you'll notice much differnce in the processor speed, but max out the RAM for faster audio/video work.