For a six year ownership period, 16GB for sure.
I guarantee that macOS will bloat over time as will most third-party applications. Also, most people will probably end up using their systems in 2026 in ways that people in 2020 would not have widely considered.
I guarantee that macOS will bloat over time as will most third-party applications. Also, most people will probably end up using their systems in 2026 in ways that people in 2020 would not have widely considered.