It would literally take <10min to swap out the Ram yourself. You could get the Ram yourself for <$90 shipped (good Ram like Crucial). To save ~$100 for 10min of work seems like a good thing to me. Unless of course you make >$600/hr. But I understand if you don't feel comfortable doing it.
Yeah, I agree. They made this new iMac so easy to upgrade RAM. Take that extra 100 and go to TigerDirect or New Egg and get you a drive for your backups or something!