Yes i did get the Apple care just as an insurance.
I purchased it for a previous Imac that i had and i had a problem with the built in card reader and i took it into the Apple store in Milton Keynes (Local for me as only 30 minutes away) and it turned out to be an issue but it was attached to the Logic board so they replaced the board which would have cost me a bit if I hadn’t got the Apple care so after that i have always purchased it on my iPhones and iPads and iMacs.
You will benefit from the 16GB RAM in the future and to my mind can only benefit the Imac from the start and it could be an expensive regret as you wont be able to upgrade in the future.
I think Apple give a bit of discount on Black Friday via gift vouchers for the store.
Just been looking at 27”, wouldn’t get current Intel ones, but rumours about the new ones coming.
They are saying it will have M1 pro/max and start with 16Gb RAM and 512Gb SSD and start at $2000, about £1500, maybe plus tax.
Just got me wondering, normally wouldn’t be interested in the 27” version but this maybe much cheaper, or around same price, as the 24” M1 16Gb RAM, 512Gb SSD is £1849.
For comparison the current base spec 27” starts at £1799.