That last set of caveats is critical. If I could run my life using the same software I was running 10 years ago, that would be great. And I could definitely do so for my personal documents.
But I want to browse web sites and run other Internet-enabled software (including key parts of macOS itself), which needs to be kept up to date for security reasons. And these upgrades often increase the system requirements. If I buy an over-speced system today, then I can get more years out of the computer as these upgrades happen. If I buy the minimum system today, then those mandatory upgrades are going to kill my system performance in a few years and I'll need to buy a new computer sooner than otherwise necessary.
Spending an extra $200 now in order to defer a future $1000+ purchase by a few years makes a lot of sense to me.
See above. This future proofing is real. As is gaming. Most popular titles these days require some pretty hefty amounts of RAM and GPU capabilities.
Since I can't swap a GPU or add RAM the way I can on a desktop PC, if I want to have a good gaming experience for more than 1-2 years, I need to max-out the RAM and number of CPU/GPU cores up front.