Why just "get by" for a couple of years when the difference between the two (8 v 16) is in fact, distinguishable quite often? You hope for 32gb which somewhat implies value for more RAM. As for how memory is uses, well recall that past Minis also included an option for on board video (Intel etc.) which did shared memory. M1 does also engage shared memory but with a different architecture and configuration. At least with the Intel Iris etc., we know how much of the memory might be used. Here, we are given nothing by Apple and we have seen very very odd situations of RAM being used up by browsers and more even if we were fairly static in use.16 GB for minimum. But if you change macs every couple years, the 8gb to get you buy. The M2 should be out early next year and hope apple maxes ram to 32GB. Remember, these arm processors use ram differently than conventional processors. The studio mini would be needed if your doing some serious video editing. The mid rage processor will work fine but you can get 64 go ram in it.
I have Safari, Word, TextEdit, and a VPN app open. Memory diag reports that I have about 7.3 percent of RAM available (out of 16 gigs). This is in my estimate, really bad management when apps and respective caches can get crazy large (Safari and other browsers cough cough).