There are quite many variables.
If you get Apollo serie 040/060 you get really fast unstandard chip ram access. It really makes you amiga 1200 feel faster than blizzard 060. With games like Quake/Doom/Napalm/Foundation biggest limitation is chip ram speed, so diffrence between 040/060 is not big
With FBlit you can promote Napalm/Foundation to Fast ram and get more speed.
With apollo you get 32mb ram, max 64 IF you have second sim slot installed. With Blizzard you get 128mb ram. Blizzard has also very good SCSI adapter, wich accepts another 128mb ram.
I've 060 66mhz and 040 40mhz on my desk all time
I haven't had big problems with WHDLoad and 040. My main WHDload machine is 040
