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16GB of RAM Could Be the New Minimum in Apple's Upcoming M4 Macs
(www.macrumors.com)
This is a most excellent place for technology news and articles.
You loose performance by making RAM upgradeable, hope the new RAM design, where you can install ram as if it was soldered in, is coming soon:
https://www.tomshardware.com/pc-components/motherboards/what-is-camm2
You lose performance if you can't upgrade.
The amount of performance you lose is negligible compared to the amount of performance you lose in 5 years when the laptop's processor is out of date and there's barely enough ram to run a semi-heavy task.