If you are willing/able to upgrade your own memory, it’s not a zero sum game.
I went for the i7 and upgraded the memory myself (32GB). But… if I had it to do over again, I’d save a little and go with an i5. FWIW my “memory used” is usually around 20-25GB so I happy I upped it to 32GB.
The i7 may be more useful down the road. But for me now, it is just overkill.
GetRealBro