Damn I think you might be right, but just because there is no connector doesn't mean you can't add drives just not PCIe ones.
This quote should give anyone all the info they need.
"All of these systems have a 6 Gb/s Serial ATA (Revision 3.0) connector that is occupied by a hard drive in the default configurations -- a 2.5" hard drive in 21.5-Inch models and a 3.5" hard drive in 27-Inch models. An SSD can be installed in this hard drive space and some systems support a smaller PCIe-based "blade" SSD, as well.
Specifically, as first discovered via teardowns from iFixit and first determined by site sponsor Other World Computing, subsequent 21.5-Inch models -- like the entry-level iMac "Core i5" 1.4 21.5-Inch (Mid-2014) and the 21.5-Inch "Late 2015" models as well -- do not have the connector for a PCIe-based "blade" SSD if one is not installed at the time of initial system purchase.
By contrast, the 27-Inch "Late 2012" and "Late 2013" as well as the "Late 2014" and "Mid-2015" Retina/5K iMac models do have this connector on the motherboard even if the system only is configured with a hard drive at the time of purchase, so it is possible to add a PCIe-based "blade" SSD to these models after the initial system purchase.
For the 27-Inch "Late 2015" Retina/5K iMac models, OWC was first to report that these models have a second PCIe connector (PCIe 2.0 x4 NVMexpress interface) that accommodates the SSD if the system is configured with a "Fusion Drive" by default. A reader kindly shared that the connector is present as well even if the system only is configured with a hard drive at the time of initial system purchase. Consequently, it is possible to add a compatible "blade" SSD later, too."
Seems to me that anyone's best bet for future upgradeability is to order a fusion drive.
I think that text is a bit misleading. "All of these systems have a 6 Gb/s Serial ATA (Revision 3.0) connector that is occupied by a hard drive in the default configurations" this really only seems to apply to systems that are equipped with a hard drive. Which they all do in their default configurations, but the way I understand this sentence is that all of these systems have a SATA port, which is definitely not the case for models with an SSD, at least for the 27" models I know this for a fact.
In theory your conclusion about getting the best upgradeability when picking a FD is correct, but there are severe caveats. Compatible PCIe SSDs cost a fortune. And you can't have a pure SSD configuration until you butcher your iMac and thereby forfeit your warranty. Until then, you'll have to live with a maximum 128GB SSD, and even then you paid for an upgraded FD which you are basically throwing away when upgrading. For most people, like me, the 128GB SSD is fine, but if you want to upgrade your iMac to what's maximally possible and are willing to spend accordingly, you might have bigger expectations than "most people".