I do a lot of RAW photography processing with Lightroom and Photoshop and will be processing 4k (possibly 8k but not often ) video with Final Cut Pro X.
I'm in the same boat. I, too, do a lot of RAW photography processing with Lightroom and Photoshop, and am in the market for a new iMac. I've been using Lightroom on my work iMac for about 6 months. It's a 2019 iMac, 8-core i9, 64 GB RAM, 2 TB SSD, Radeon Pro 580X 8 GB. I can tell you that Lightroom takes full advantage of all 16 threads during import (copying, building previews, etc). I've actually seen Activity Monitor at 1600% for Lightroom. Other than that, it will make use of the 8 cores as it needs (8 threads, not 16), but it's quite hard to fully tax all of them at once. Lightroom doesn't use the video card at all in the current version. (Lightroom Classic and Lightroom perform the same for me.)
Is faster import that important to you? I'm torn, personally. The fast internal SSD already makes everything so fast. By the way, I hope your catalog and preview files are on the internal drive? It's SO much faster than any external SSD. On that note, I would recommend an external PCIe enclosure with superfast internal NVME like the Samsung m.2 970 Evo Plus. It connects via USB-C.
I know After Effects can easily use *full* GPU and *full* CPU, but not sure about Final Cut Pro X. If you do much work in Final Cut Pro X, I would *guess* you would enjoy a lot of the speed boost with the higher end machine.
Like I said, I'm torn, too. I know the higher end one would be fast, and that would be nice, but for me, my personal machine is just a hobby that doesn't make me any money... do I
really need to spend that much? lol
I think in 5-6 years I would rather have the 2 TB internal SSD than the i9. I'm not an expert on SSDs, but i'm not sure if an external SSD will ever be as fast as Apple's internal SSDs.