Disagree. I would not buy a computer in 2023 with only 8gb of non-upgradeable RAM. It isn't so much what you do with it today that concerns me. What concerns me is what MacOS and a web browser will need in five years. I'm sure 16gb will be enough five years from now. I'm skeptical about 8gb. I'm also sure that at some point in the not too distant future a 8gb computer will chug and but with 16gb that same computer will be fully functional. That RAM cliff has been an issue for years or even decades now and the solution (for those of us keeping around old computers) has always been to upgrade the RAM and get years of additional work out of our computers. Can't do it with these devices. So buy now for the future.
Internal storage can always be augmented with external or even cloud-based storage. RAM cannot.
Completely disagree.
Sorry but nothing you've said sounds close to reality to me.
First off, the RAM cliff hasn't been an issue for consumer PCs since 2010, not sure what decades you're talking about. You can use even 4GB on a PC for basic tasks such as the ones described, but surely won't be great for multitasking. 8GB has been a standard for years now, if the tasks stay the same, you don't need more.
There used to be a myth of RAM making your computer faster but... it had to be the bottleneck and not it very rarely is nowadays.
Specifically about the M1... have you tried multitasking with it? The way it uses the RAM was one of the greatest features, it has great cache and also uses the very fast SSD as swap in some clever way. Been stressing it for a long time now and the only time I ever felt like I could use more RAM was with After Effects with... RAM previews. A very specific task that just works better with more RAM. But that's not what was asked here, and frankly not even what the Mac Mini is meant to deal with, it's not a ideal for professionals.
On the other hand, cloud and external storage are never as fast, practical or reliable as internal storage. Some apps, cache folders and libraries only run (or only run decently) from the boot drive. That's something all users can end up needing.