DHL. Fucking DHL. Not sure if it fits your question but I got triggered badly here.
They removed all forms of contact except WhatsApp and their shitty z broken chat bot. If there is ever a use case for LLM than this is it. But they use s system that can either sell you stamps or breaks.
Oh but you can call them. Do you can talk to there chat bot. Once you've broken it enough for it to grant an audience with a human being the connection drops.
I very rarely get worked up by broken systems but someone else chose to use this shit shoe and I'm now imprisoned in their web of bullshit.
Honestly I find myself in your text a bit so perhaps I'm projecting:
If it's purely for specs than the other poster is right. You won't get bottlenecked with RAM even at 32GB. So if you're being capped now and short on cash just upgr to 32GB and future proof when the future is closer around the corner.
But to me it sounds like you might just want s complete upgrade and are now looking for a reason (that's the potential projection part :p). If that's the case then check your budget and go for it - but don't try to sugar coat it: the reasonable path is to do the smallest upgrade step possible that fullfils your needs!