I'm in the same boat. Honestly, even if RAM/storage prices dip in the next year or two, that's still another year or two of potato computer. I have similar specs to what you have and it is getting long in the tooth, especially if I want to do any ML or run any of the local models. I used to have a 5 year amortization of hardware, but it didn't make any sense to consider upgrading until a couple of years ago. And I'd spring for the faster 64GB RAM. You can always add in another 64GB of the same speed. And it will be faster since multi-channel compared to a single 128GB stick
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