It's never been financially sound to live on the bleeding edge, or buy the highest config, but if you need, it, you don't have a choice!
This 100%. If you NEED this, it is because you are using the machine to make money and it will pay for itself - so long as it will pay for itself inside of the machine(s) lifetime and generate enough additional revenue on top, upgrading is financially sound.
If you aren't using it to make money you are playing - your mortgage isn't getting paid by it and thus it is not financially intelligent.
The more RAM you assign to the VM the slower it will get. If you assign 8 GB to the VM the OS in that VM will try to make use of this, and you will only have 8GB for your macOS and VMware. VMware recommends to assign 2 GB RAM for the VM. See Set the Amount of Virtual Memory.
This is the biggest load of baloney. How much RAM to allocate to a VM depends on
- What the VM is actually doing. Basic desktop to run some trivial little desktop app? Sure 2 GB might be plenty. Running an SQL database server? You'll need more.
- How much RAM is in the host
- What other VMs (or desktop programs on the host, if it is a desktop/laptop and not a proper vm server) are competing for resources on the host