I agree BUT you also have to factor the total cost of the machine. For example on a new MBP 14" or 16" the ram upgrade to 32GB is $400 and that seems very expensive on the face of it. But when you factor in the total cost of the machine and total time of ownership the cost can be reasonable. Say I get a MBP 16" with M1 Pro and 1 TB SSD I am at $2600 and then add the $400 I am at $3000. If I keep the machine 4 years then the Ram costs me $100 a year extra on a $2600 machine which in my opinion is a nominal cost. Of course you have to pony up the cash up front but in my opinion if you don't consider the total lifetime of the machine then you could make a bad choice.Certainly a true statement, all except for the part about “better.” “Better” has another component, and that is cost. That’s where “better” for me is likely different than “better” for someone else. Always those annoying trade-offs unless budget is either unlimited or reimbursed by someone else like an employer or a tax return deduction for legit business expenses.
I hear a lot of people say just get the base model and upgrade in 2 years?? Really? I guess if as you said someone else if paying then no problem but for most of us $2500 and up is a serious investment and replacing a machine every two years is not very practical from a several standpoints including the environment. So I try to be realistic. 4 years is long enough that I am not just giving my money to Apple all the time and wasting resources and materials. Also my ROI is better because after a year your device depreciates a lot so if you keep it longer and sell it your total cost of ownership is way less.
Finally having that extra RAM is going to future proof the machine as much as possible and make using it more pleasurable in most tasks.