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For now, yes, but if you're planning to get years of use out of a Mac then I would say go for the best possible configuration your bank account will allow.

There won't be any difference whatsoever in how long the computer can be used. When it's time to replace either of them, new computers will be twice to 3 times as fast. With few exceptions, spending more for 5-10% better performance is just wasting money.
 
For now, yes, but if you're planning to get years of use out of a Mac then I would say go for the best possible configuration your bank account will allow.

Agree.
I'm of the opinion that if you're going to buy a brand new iMac, if you're forking out ~$2000, you might as well max it out as much as you can. I say this because I like speed and I like to keep my computers for as long as possible (writing this on a maxed out 2009 MBPro that is still running quite well). IMO, I think it's worth it to max out everything except RAM, get that from 3rd party.

Besides, CPU/GPU is usually considered a permanent upgrade. Not many people change those parts on their own. That's definitely worth it to max out, whereas RAM, you can install anytime in the future on your own, so you can get the lowest cost there and then save up in the future for that. And Fusion Drive is so cheap, I'd rather just have Apple install the upgraded HD instead of messing with it myself.
 
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