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!
There's a xkcd for that of course! Linking directly to the explain as it has more info but the important thing is: password guidelines tricked humans into thinking in a machine way about safe passwords but long pass phrases are more secure from an entropy point of view and way easier to remember!
https://www.explainxkcd.com/wiki/index.php/936:_Password_Strength