> Besides, since RAM isn't getting cheaper for a while, this isn't a big issue now.

I would argue the exact opposite, actually! My home machine has 32GB of RAM and is already over 7 years old. If it were to die right now I'd ideally go for an upgrade with 64GB so it would be good for another 7 or so. But that's completely unaffordable, and I could survive with 16GB for a year or two, so going for the bare minimum now and upgrading it later is looking very attractive...