Hi,
I'm not sure where amiga1260 get' his facts but you can use all the Ram in WHDload and this will help the bigger multidisk games run without stopping to load (you ever see the flashing screen?) You need to run ACATune to get the extra Ram with -maxmem command. You can also use -Maprom to run KS3.1 if you don't already have it. The Rom being in Ram really peeds things up.
Workbench will be much nippier, you can use software that requires an 020 for example I prep my drives with SFS and this works under the 020 and speeds up things for me too.
basically anything you run in Workbench will be quicker, it wont have a direct affect on most games, some that require 3D rendering for example might be a little smoother

If you're happy with what you have there is no need to change, but if you want to explore further it's a great piece of kit and good value too. As amiga1260 says you will be able to use the quit key in WHDLoad Games too.
All the best,
Steve.