Exactly… to me this year oled screen and processor are worth the update alone (maybe only the screen could justify this). Imagine being stuck in a 3-4 year old model (I usually keep the ipad muuuch longer, it’s an example based on what i’m reading here regarding update forecasts) because one invested in more RAM a that time..A better processor and other enhancements sooner is better than than just a ram upgrade now for trying to future proof. Especially dont need the storage or real need for the ram now.
I mean, RAM is a big deal, but i think you should consider how much you need now and in 2-3 years max, considering the huge gap in price that would cover 60-70% price of a future update