Since posting this question/thread, I've been into an Apple Store, spoken with a tech at the Genius Bar and he has explained it all perfectly clearly. The speed of the RAM I currently have is completely different to the speed of the RAM available now. Basically even with using Adobe CC programs as mentioned earlier, it isn't necessary to get 16GB, in fact he recommended getting 8GB. I'm waiting to see if there are any announcements re a new line up of MBPs at the WWDC. If not I'll get a new MBP quickly. Thanks for your input, appreciated.
I suspect the 'genius' was referring to the SSD speeds and because things get paged out when you run out of RAM, the faster SSDs in recent rMBPs does improve in this area but it is still no substitute for having more available RAM. You already have the right advice in this thread - Screen, RAM & SSD size are all important. CPU should really be your last decision since any recent rMBP is very well specified in this regard and only specific uses will require the top end upgrades.