For the disk space, depends what kind of cloud storage solution you have in place. I have 256gb but have 2TB in cloud space so I don't worry about 4k videos.

For RAM always get as mucha as you can. I updgrade phones very rarely and you need to think about future proofing your device.

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i dont use cloud much, too broke for that. I highly doubt i need extra ram for anything, i'll install custom rom anyway.

Yeah cloud is usually subscription only which can be frustrating finance wise.