I remember in 2007, buying my first MacBook. It came with an enormous 2gb of RAM. I asked about upgrading it. The guy leaned in conspiratorially and told me that Apple’s RAM upgrades were a rip-off, and that I’d be better of buying it elsewhere. So I did, for half of what Apple were asking.
This is a grift that Apple have had for far too long, and there’s a part of me that’s convinced that their move to soldered RAM was to stop people upgrading after the fact more than it was about SOC efficiencies.
Yes the RAM is. For SSD I have all my home folders on an external 3TB SSD RAID array that’s about the same speed as the internal storage. This allowed me to buy the base model and save a few thousand $$ by upgrading it.