I am in EXACTLY the same boat as you. I bought my 2012 Mac Mini with 4 Gig of RAM, and when I could afford it; bumped it to 16 Gig (my only error was getting 1333 MHz instead of 1400). Then a year later, I added a 256 GB Samsung SSD to the 500 GB HDD and made a great 750 GB Fusion drive.
It's been a solid performer, one that I was able to upgrade as I could afford. Sadly, I'm seeing that the very parts of the Mac Mini that were the "Key Features" that got me into trying Apple, are being eliminated".
Every single one of my Macs, and the Macs in my family have been bought as base configuration and upgraded it - they've grown with me. My 2008 Macbook started out as 2GB with a 160 5400RPM HD and went to 6GB of ram and a 750GB 7200RPM Drive and now a 256 GB SSD. My current Macbook Pro (Mid 2012) is a bit more complex but, has gone from 4GB/500GB 5400RPM to 8GB/1TB SSD, and in the future to 16GB and maybe a bigger SSD in a couple of years.
its been great as its affordable, environmentally friendly and awesome
I bought into an Apple that had a healthy balance between upgradability & form factors etc.
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