OP, it's fairly simple:
- Silicon Macs can't have any RAM upgrades. So,
- Buyers have to try to anticipate how much RAM they will EVER need, not just how much they roughly know they need now.
- No one really knows the answer to the "ever" question with 100% confidence, as Macs are usually good for upwards of 7 years and anything can happen in any 7-year span of time to anyone.
- Meanwhile, Apple is the LONE "store" for Silicon RAM (and SSD) and they flex that "no competition" muscle in charging 3X-5X market rates over comparable RAM (and SSD).
- Consumers are generally wanting to spend as little as they must, so not being able to anticipate hardware needs makes it difficult to choose. Wallet/budget wants "cheaper". Unknown future evolutionary needs want "more." There's no way to reconcile the two with complete confidence. So,
- These variables create buying angst. We want to get it right because- if we don't- we can't fix it later with upgrades: it's essentially throw out the entire Mac and replace it with another entire Mac.
- One more (fear) factor is called "SWAP", which is when a Mac runs out of free RAM and "borrows" a kind of virtual RAM by using the SSD like it is some extra RAM. This works... basically allowing too little RAM to be covered by SSD used as SWAP. HOWEVER, we all know that too many WRITES to an SSD is what wears them out. And when this internal SSD conks, the Mac is dead and has to be replaced. When one relies on SWAP to cover the RAM gap too often, we know that we are wearing out the SSD faster. This variable creates additional buyer angst.
- Lastly, how much RAM is needed for core macOS use is not absolute either. Up until recently (up until Apple embraced 16GB as base), fans passionately argued that 8GB was enough for nearly everyone (and how convenient since that was exactly what Apple was pushing too by clinging to 8GB RAM). Of course, you see very little on that topic now, including any ripping into Apple for "forcing too much RAM" into every Mac sold today. Instead, now that Apple has shifted, so shifts fan opinion (as it always does). What's driving the shift? Most believe Apple embracing A.I. means that 8GB is NOT enough for 2025 and next few years as A.I. stuff in macOS keeps piling up and needs LOTS of RAM to function well.
- Nobody outside of Apple knows how much RAM is needed by future versions of macOS, so we again must best guess, fueling more angst in trying to determine how much RAM we will need for macOS out in 2028-30 or later (however long we think we will want to use the Mac we purchase today).
Pull all this together and best plan is to try to anticipate your RAM needs for the
LAST year you will own the Mac about to be purchased. And then configure to
THAT need. For many, that means buying a Mac to use in about 2032 instead one that is "enough" in 2024-25... UNLESS, you are fine with regularly replacing "whole" Macs like we already regularly replace "whole" iPhones. Get this wrong now and that will be the fan advice: "just buy a new Mac."
For many, when they configure their new Mac with their best guess at covering all of the above, the fat Apple premium on RAM & SSD is very frustrating... especially if you have experience with past Macs offering the ability to buy "base specs" and then upgrading with third party RAM & storage at highly competitive prices instead of the fat Apple premium that helps drive "another record quarter"
every quarter. So again, #5 steps in and we start trying to rationalize LESS RAM & SSD because we don't want to pay too much (when we can't even be sure about our computing needs out in those last years we'll use this Mac). Fru$$$$$$$tration!
To the Windows question
Boyd01 summarized it pretty well.
ARM Windows emulation is not full Windows. If you need complete reliability, don't assume emulation will do the trick. If you barely need Windows and all you need of it is well known to work fine on ARM Windows PCs, you would probably be fine with emulation. However- and again during life of device, not just immediate needs- if you don't know about Windows app needs well into the future, the better plan is either to keep an old Intel Mac on which you can do your "full" Windows stuff via Bootcamp OR- do as I did- and
buy yourself a PC too for "old fashioned bootcamp." There are Mac Mini-like PCs that are pretty loaded and the incredible competition in that world means you can buy a whole lot of PC for a Mac budget... and/or quite a good one for less than Mac budgets.
So, if you need "full" Windows and/or can't anticipate all Windows apps you'll want/need to run in the next 5+ years (and who really can?), you might serve your needs better to put some money towards buying a little PC too.
In my case, I chose
a monitor with more than 1 input (so not ASD) and have
both my Silicon Mac and a little PC
sharing it. No problems (and no worry about) running
ANY Windows app on the PC... AND it brings all of the benefits of a mountain of apps that run on Windows but are not available on Mac. For example, the PC world is
actually serious about gaming, as evidenced by the
abundance of desirable games available there.
IMO (summary advice)
For a Silicon Mac purchase, it is better to overbuy your best guess at RAM & SSD needs- even at Apple "exploitive" prices- than get out there in 2028 or 2030 and discover you "should've" and probably be replacing the
entire Mac. Yes, it
IS frustrating to compare what "more" RAM/SSD costs in a PC vs. Apple RAM/SSD but that's THE wallet-emptying burden if one wants enough Mac to probably cover all of their needs for life of device. No competition for anything
ever benefits buyers: seller
always charges much more with zero competitive pressure.
If your best guess at RAM and SSD needs out in the distant future implies you'll be using NORTH of maybe 80% of either or both, buy the next tier up
above your best guess. #5 is quick to motivate us to
underestimate (and rationalize it) but up to 20% or less "fudge factor" is NOT enough. Else, start saving for your
next whole Mac... to likely be purchased
sooner than you plan.
I hope this is helpful.