Here's the protocol I use: for any new project first use the 8GB version. Let it settle for a while, then check what do I actually need, and swap the board for a cheaper one. Minimizing the specs makes sense it you have many RPis running a variety of projects. If you just have 1 board that is a catch-all device for your small projects/services then by all means go wild. But then I'd actually recommend an x86 NUC (if GPIO is not needed). You can buy a new or even better a used one very cheaply.