Honestly?
Today’s M1 Macs put gosh-darned supercomputers of not all that long ago to shame. Unless you’re actually already doing something such that you’re wanting more computer, the only considerations you should have should be form factor. Do you like the size of the display? Will the computer fit in your backpack? How about the color? That sort of thing.
And that covers, within rounding, 99 44/100 % of Mac owners.
(Yes, yes. Half of those who post to this forum are simultaneously rendering and editing the next Disney IMAX movie while recording the soundtrack live and also, at the same time, running dozens of full global climate models at atomic precision. And they really do need the upgraded specs. But, for all us mere mortals … save your pennies for some other Apple gear.)
TL/DR: If you have to ask, the answer is, “No, you’re just fine with the base model.”
b&