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How is your usage? I think you get more out of extra SSD than the processor clock speed and cache increase. Which model is your eye exactly on?
 
Mainly work and spreadsheets, I am getting rid of a iMac and MacBook Air and consolidating to one computer so want a nice compromise. I am getting 15" mbp with touchbar and 4gb video card option. Just deciding on final upgrade. Thanks
 
SSD, CPU will complete tasks a bit slower on large compute loads, but when you're out of disk space, you're out.
 
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I would get SSD over the final CPU upgrade. If you started with the 2,799 model MBP, the 2.9 chip has the same 8MB L3 cache as the 3.1 chip (vs 6 MB on 2,399 model).
 
How big? Please check your full usage. Go to the Apple Menu top left, About this Mac, Storage tab and report your usage.
 
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