Thank you for your answer.
What would you suggest I take? Should I upgrade to 16GB in the future?
What I did was ordered the stock ram (two sticks of 4 x 2) with the iMac purchase, and then ordered two more stick of 2 x 4 from OWC. That will yield a total of 12GB ram.
That's what I did (although from Trans Intl) and my thinking is in a year or so, it should be fairly cheap to buy another 2 x 4 and replace the stock sicks. I figure that's the least painful approach when 12 GB is more than enough for day with the option to go 16 GB down the road.
FYI: I spoke to OWC tech support and they recommended NOT putting the 2 new sticks of ram into the open slots, but instead putting their sticks in place of where Apple installs the stock ram, and moving the (Apple installed) sticks to the open ram slots. I didn't ask why.