So there are a few ways to look at it:
- Order as much RAM (and other upgrades) as you think you'll need for the lifetime of your Mac
- Order what you need now for your Mac
People will disagree on which is more important, however, there are benefits to either. I'm going to use a Mac Studio as an example, just because it is easier with numbers:
Options for a $6000 computer budget every 6 years:
- Purchase a base model every 2 years at $1999
- 2022: Mac Studio M1Max base for $1999 (512GB Storage, 32GB RAM)
- 2024: Mac Studio M3Max base for $1999 🤞 (1TB Storage, 36GB RAM—based on what the MBP has)
- 2026?: Mac Studio M5Max base for $1999 🙏 (2TB storage, 48GB RAM—not based on anything)
- Purchase a customized model every 2 years at $2999
- 2022: Mac Studio M1Max base for $2999 (2TB Storage, 64GB RAM)
- 2025: Mac Studio M3Max base for $2999 🤞 (2TB Storage, 96GB RAM)
- Purchase customized model every 6 years at $5999
- 2022: Mac Studio M1Ultra base for $5999 (2TB Storage, 192GB RAM—or whatever)
At the end of 6 years (2028), I have to imagine a supposed M7Max is going to be ridiculously better than an M1Ultra and a bit better than an M5Max, although any would probably still be fine. What makes sense for you though? Would you be better served going with what you need at the time and upgrade more frequently or hold off on a higher-specced machine at time of purchase. It depends on what you do. If it is for work it likely makes sense to upgrade specs, but for personal work probably not.
Considering your example has your RAM usage in the green, you probably don't need more RAM. But hey, if you have the budget go for it, or just throw that $200 in savings somewhere and put it towards the next upgrade.
Regardless, Apple is really fleecing us all with their memory and RAM prices. It is ridiculous that Pro machines start so low. Their markups on these are just crazy. Even if the base stays the same it shouldn't cost $400 to go from 1TB to 2TB of SSD storage now! At least with Intel we had a choice to install 3rd party, but now we just have to take it.
Edit: forgot to mention if you upgrade every 2 years (or whatever), you can easily resell your old machine and get a good trade in price for more upgrades. So option 1 is more economical than option 3.