OWC does a rebate on the 1GB sticks, and Apple will charge you a much higher markup on getting to 8GB. Rendering speed is pretty damn cpu dependent. In some applications, the gpu can help mitigate times as well, but it varies. The reason the six core is more popular than the eight core is really clock speed. On applications or processes that scale less efficiently with more cores, the difference in clock speed there is pretty significant. Based on what you're using overall I'd probably go with the six core unless you really need more ram. On the six core 16GB is relatively cheap, 32 is doable (prices have been falling on 8GB dimms). The eight core would double your ram capacity.
Below those models, the imac is actually faster in raw cpu power. This applies to both quad core mac pros. The suggestions on what to buy are really based more around things like rendering times. 5DII files with a few layers are really nothing. I could make those run smoothly on a G5, so if you build for the other mentioned functions, you will have more than enough power for actions within photoshop.