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Some points to note:

- Unless you are doing seriously CPU-intensive work, you won't notice the difference between the i5 and the i7.

- Unless you are doing heavy video editing, or running multiple virtual machines, you don't really need 32GB of RAM.

One other thing - don't pay Apple's prices for the 32GB of RAM. In the UK, they charge £480 for 32GB. You can get a decent 32GB kit for less than £230.
 
Been there several times - Depending on how you get the Mac and Ram, it's always 3k to 3300 average to top out an iMac with SSD only and 16 to 32 ram. The 1TB option is not needed IMO if you think in terms of cheap fast externals for media.

There are still 1 or 2 places to get a Mac without tax & ram is never purchased from Apple - Never!
 
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