Perhaps T'hain Esh Kelch has a point there after all. Be careful with your purchasing choices.
Often when posters request help configuring their 2014 minis, we warn them to grab the SSD or Fusion drive immediately to avoid the performance penalty presented by the 5400 rpm HDD. Although the wisdom of a 16GB RAM choice might be debatable, an upgrade to at least 8GB would probably be a more prudent investment for the long term. Maybe users like
OLDCODGER should first go hard for memory since it cannot be upgraded. Live with the spinning HDD for a while and then pop for the SSD to supercharge things at a later date.
After all, how shocked should we be when a computer purchased with a minimum configuration fails to age as gracefully as a better specced stablemate?

On the other hand, Wyatt82 is right to be confident that an 16GB i7 2012 is a great value with room (like a properly specced 2014) for even more upgrades.