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My question is will an average user see the difference between the 8 and 10 core? work on power point, outlook (hundreds of emails at a time), photos, multiple browsers, zoom etc.
thx

I think a useful way to look at this is that on Geekbench, the 8 core version is about twice as fast as the fastest 2020 Intel MBP was. Should be more than enough computing power for an average (pro) user.
 
I have a very similar experience with memory use. I mostly use just basic office applications and still often find the 8gb memory so full that it slows down the computer. I didn't have such problem earlier when I had a 16gb Air from my workplace but still decided to go 32gb, as I'm hoping to keep using the new MBP as long as possible.

Hence, I ended up with almost identical configuration with an exception of 1 Tb SSD. And that's mostly just because of my own laziness – I like to carry all my library of photos with me even though I could just have them on an external drive.
Thanks for the reply. I've also changed and going for 1TB - not cheap but it's peace of mind, never have to think about RAM or SSD for years!
 
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