I was in a similar situation with an ipod classic for all my music. Helps save battery on my phone and can save at least 100 bucks. I've had 16GB 3gs, 4 and 5 and take a good amount of pictures and have only had to download my photos to clear space once throughout all of those
I would highly recommend waiting get a 64 GB version at a minimum!!
Why, because I know of many people now with 16 and 8 GB iphones that can not do the update because they need ~7GB free.
Of course there are people out there will tell you to do it thru iTunes BUT
my experience going down that road in the past was a nightmare.
I lost data, because I did not have the proper amount at the time free and went the iTunes way and still LOST DATA, and no restore brought back my data and applecare also confirmed I lost it permanently!! No it was not contacts or calendar info, it was app data to specific apps.
you can do what you want it is your money but I advise against it, 16 gig today is nothing, I have about 34 gig just in apps, 25 gig in music, pictures well??
Mine was roughly 114GB, it came preloaded with Pages, Keynote etc.
Ohh, so that actually happened!
I remember reading the rumour about this potentially happening, but they weren't preloaded on my 6 64gb so didn't think it went ahead. Have downloaded them now anyway.
That's odd, the iLife and iWork suites were installed on my 64GB 6.
That was gonna be my other question - whether it was a region thing or a production week thing. Might've been an after-though when loads had already been made and iOS 8 installed.
Mine was produce in week 33 I think, and I'm in the UK.