Can I get the last word on this? =)
As a person who is called daily and asked these kind of questions... I dont have the luxury of "guessing" for some of my clients.
They tell me what they want to spend, what they want it to do and they expect it to be the right decision -- they dont want to be hassled with the "tech" part of it.
You should never have to be bothered with updates, or adding more ram, or figuring out if doing any of those tasks will void warranties or whatever.
You just want to sit down and go.
You have already seen the 27" and love the screen, right? Then get it.
Its ready to go right out of the box. Theres nothing extra to buy or necessary to upgrade. It has one cable out the back for power, and thats it. Plug it in and go and forget about it for years and years.
Plenty of ram. Plenty of drive. Plenty of extras and oomph for many, many years to come. Wouldnt be surprised if its the last computer you ever buy...
Dont get me wrong, I think a mini is a great little mac and it has plenty of horsepower, at least right now. (priced $100 too much, but thats another story). But the potential of "you can just upgrade it in a few years" just means an extra headache 3 years from now. And a mini seems small, but clutter: power cable + monitor cable + monitor power + cable from keyboard/mouse (if you dont have wireless) + cables from speakers = a mess.
Heres my suggestion: 3.06 27" for $1599 after rebate, no tax, free shipping from here:
http://www.macconnection.com/IPA/Shop/Product/Detail.htm?sku=10682041&cac=Result
I use them for all my mac purchases.
I hope you enjoy your new iMac when it gets there.
(PS, you keep mentioning the cost of speakers in your mini buying decision, but speakers are like $29, not a real bank breaker.)