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Dont think your use case (photoshopping and invoicing) will over exert the 8gb or require the 16gb. It comes down to how much you want to spend, and how likely you are to require extra power in the future.
When you could replace the ram yourself it wasn’t an issue, now it’s an opportunity for angst and second guessing.
Whichever one you choose will be a massive, massive, upgrade over what you are replacing.
Buy what you can afford and don’t beat yourself up about what you could have had
Appreciate the replies.
Am still curious as to whether the 8gb is a waste and the actual differences between 8 and 16 in the m chip models.