hey fa8362.You can't future proof a computer. If the cheapest option today is 10% slower than the most expensive option, it will be only 10% slower than today's most expensive option 5 years from now. Unless you're doing it professionally, save the money.
One other point. There's a performance penalty for pushing all those retina iMac pixels around. I saw a youtube video where a video editor compared a top non retina iMac to a top retina iMac, and the non retina iMac smoked the retina iMac, and the retina iMac did not deliver smooth 4k previews. That wasn't the most recent top retina iMac, but it's possible that the latest top retina iMac still underperforms.
Do your homework.
Can you give us the adress of the video on youtube of the comparation with the non retina iMac?