I agree, 8gb is fine for a majority of the time. MacOS does such a good job at using swap that you'll most likely never even notice. I've yet to hear actually instances of ssd prematurely dying because of swap usage. My only hold up would be if they plan to keep the Mac for years to come, each OS update seems to be a little more ram intensiveChrome is a memory hog. Use Firefox (or even Safari) instead. Anyway, I have 8 gig 15 M2 Air…..and do all the same stuff, it’s fine. Occasionally there is memory pressure, if you open a bunch of apps at the same time - but 95% of the time, zero issue. Therefore…..for those tasks you mention I really doubt you’ll get $200 worth out of the extra memory. Save the $200 and put it toward your next upgrade.
But….thinking a little more strategic here….you might as well wait a few more months for the M4 to come out.