...and if you're "not doing anything major" there's probably no rush to get the 24GB, since you can upgrade at leisure as/when you need it, and there's a lot of "nothing major" that can be done with 8GB
web browsing on a 5k screen tends to kick the RAM usage into high gear. Not enough to use more than 16GB, but certainly enough to make 8GB feel less than optimal.
The thing is-- there are programs that don't need much RAM (Mail, Pages, disk utility, scrivener), and there are programs that like having a couple gigs (safari, Abby Finereader, xcode, eclipse). And then there are adobe products and virtual machines and video production stuff.
so, normal users on a small mac might be perfectly comfortable with 8gb and not see any swapping or memory compression
same work load on an imac 5k-- maybe 9-10 gb (of course this depends on how many tabs and windows you use). Which is more than 8GB, but not seriously even close to 16GB
it's not until you start dedicating 8gb to a virtual machine, or dedicating a couple gigs to photoshop that things start to get seriously cramped. Remember-- 16 GB is twice that of 8GB. Finding a legitimate use for memory beyond that is difficult unless you have already identified a specific need such as "photoshop with an enormous number of layers"
The 24 GB configuration is cheap enough that it feels roomy over just getting 16 GB
The 40 GB configuration is expensive enough that it's a waste of money.