Been lurking on this thread.
Started off with an i7/8GB/1TB mac mini hooked up via USB-C to an LG 27UK850-W 4k monitor. At 2x scaling, the system ran smoothly, but 1080p effective resolution didn't feel good at all. At native 4k, everything felt smoother, but it was too small to use practically . I then scaled to 3008x1692 effective resolution, which looks great, but everything started to chug and felt choppy. And YouTube 4k fullscreen playback would hitch every 5 seconds.
Activity monitor showed physical RAM usage at over 7GB, and it felt like the GPU had no RAM to work with.
Ordered a 32gb RAM kit from Amazon and did the install today. It was a pretty easy process, with the right tools (highly recommend the iFixit essentials toolkit).
Funnily enough, I first installed the RAM improperly, and didn't push in one of the SODIMMs fully. So the system booted up detecting just 16GB of RAM. I still wanted to see how it performed, and to my dismay, still sluggish and hitches with YouTube 4k videos on full screen.
I opened up the mini again and re-seated the memory and got all 32GB set up properly. Now, with ample memory headroom, everything is running smooth like I'd expect. The UI is responsive and YouTube 4k videos play without issue. Just noticed that physical memory usage is >15GB, thanks to Chrome's memory hogging.
So yikes, it really seems the integrated GPU needs ample RAM headroom to push a scaled 4k resolution. It's really disappointing that even at 16GB RAM, the GPU is choking.
TL;DR you need 32GB of RAM to drive a 4k monitor with the mac mini