However, I have had no problem maxing out all 10 cores when compiling code or indexing a project in a JetBrains IDE. I am happy to pay another $400 for a 10% performance increase. Why limit myself over $400. If I was looking to cut costs I would have probably ordered a smaller SSD or perhaps less RAM.
I don’t use JetBrains (I use Xcode, Visual Studio for Mac (or Visual Studio if I’m in Windows), but primarily VS Code because most of what I do is web based) but I agree, $400 for a 10% performance boost for exporting video or compiling code is something I’ll pay for. Having said that, that wouldn't always be the decision I would make.
The only area I didn’t go all out on was the SSD. I had a 1TB on my 2017 iMac and that was pretty good — especially since so much stuff can be offloaded to the cloud or a NAS — but I like to have breathing room so I went to 2TB. I really considered going to 4TB but for $600, I’m just not convinced I’d get the usage out of it needed to make it worth it (especially when there is other stuff I could spend that $600 on, like my desk setup). That’s the only part that sort of gnaws at me, but again, given the NAS situation (and thus the 10GbE), the insane amounts of cloud storage I have personally and through work, and the fact that I’ve amassed a small collection of external 1TB SSDs (and more HDDs than I can count) if I really need to offload/access an occasional project or VM, I think I’m OK.
Whether I'll use the 10-cores was irrelevant to my own calculus. I wanted to go all out and the 0% interest and cash back on the Apple Card made it a no brainer (this also going to be a business expense), but I respect that every persons decision and needs are different.