Still using my 8gig m1 to make mac builds, its slow, but works fine. Keep thinking about upgrading, but max 32gigs ram, if I can hold out for 2 years, and maybe have 64/128gig as options, and cheaper.

In your shoes, I'd just get whatever Pro processor is available at that time. (Knowing that new processors were coming, I happily bought an M5 Pro machine last month)