This is exactly why I bought my 10/16/1TB 14".
Because it's off the shelf. As you said, 8/14 is powerful enough but I need 1TB and without going to the 10 core its a custom build. And having had various custom builds before.... lead times... no replacement on shelves, etc. Never again.
I wanted 32 GB ideally, but again... with 1 TB not off the shelf (and I wasn't going to go paying for a max because I don't even do GPU work really). 16 is fine for my purposes... but 32 would have been just that little bit more comfortable