Depends on someone's preferences. I personally find the RAM usage in iOS the weakest point. The constant reloads I get on apps/tabs is utterly annoying and honestly it impacts my usage. I was getting those with iOS 12 and 2 GB RAM. Interestingly I am getting them less with iPadOS so far, but to be honest I also use the iPad far less nowadays. The constants reload made me awry of the device and I just had to use it less and less for browsing as it would reload tabs whenever I decided to switch from Safari to Skype (which is my usual case as I tend to chat with friends).
I have Android phone with 4 GB RAM that does not have any reloads. I would highly disagree that iOS is far better than Android. It is not. The difference is that instead of crashing the app you are currently using, it is suspending the ones that you don't see. This is good if you are single app user. I am not. Multitasking is my natural forte and what Apple does basically negates any sort of multitasking gain you might have hoped for.
To sum up - RAM is the weakest point in iOS and I personally would not advise buying any iPad with less than 4 GB if you want to use it for the next 3-4 years. I personally would not do it. I cannot say if in the next 1/2 years you might need even more. However definitely you would not need less.
I just bought an iPad 7, with 3 GB RAM. However, here are the caveats:
1. It's for my wife, who has simple needs in an iPad: Email, browsing, and Netflix. For browsing, she typically only has 1-4 active tabs at a time, and doesn't complain about tab reloads.
2. The iPad was part of a promotion from my cell carrier. They offered a whopping 1/3rd off retail for the 128 GB LTE model iPad 7, with no contract. It was CAD$479, or approx. US$365. Pricing of the 32 GB LTE model was even better, at an even more impressive 40% off retail, again with no contract. The optional (no contract) monthly plan is only US$7.60 per month for 4 GB data. I'll keep the data plan for a few months and see how much she uses it. If she doesn't use it, I'll just cancel the data plan.
3. The SoC only is the A10 anyway. It doesn't seem to make a lot of sense to pair 4 GB RAM with A10, not that I had a choice in the matter. Sure, I wanted a faster SoC, but even then the iPad Air 3 only has 3 GB RAM, and it would have cost 71% more just for the 64 GB LTE model, and well over twice as much for the 256 GB model.
I tested out the A10 iPad 7 a little while and it's actually not bad. Thread here:
Can you tell which is which? You can tell just from the pic, but even side-by-side they look awfully similar. One is an iPad 10.2" LTE model with 128 GB, and the other is an iPad Pro 10.5" WiFi model with 64 GB. Weight and size: I don't know if the actually notice a weight difference, but the...
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I can notice it's slower than my iPad Pro 10.5", but it's much speedier than our old iPad Air 2 with A8X and 2 GB RAM, with less tab reloads. In fact, tab reloads with light usage don't seem to be a big problem with the iPad 7, whereas they had started becoming problematic on the iPad Air 2. The iPad 7 with 3 GB doesn't seem much different for tab reloads than the iPad Pro 10.5 with 4 GB with light surfing either. But that's light surfing.
In your shoes with heavy multitasking, that's a completely different story.