13'' dual-core with 16gb ram vs 15'' quad-core 8gb ram -- ram vs cores?

Hello.  I am at a point between choosing a 13'' dual-core i5 with 16gb ram vs the 15'' quad-core with 8gb ram - both retinas.
I will be using photoshop and illustrator while uploading/downloading large files constantly.  After much headscratching I almost decided on the 13'' i5 because from my experience, RAM limitations is where I usually run into problems, and don't see the extra price of i7 worth it when it is still a dual-core.  For the same price I can get a 15'' quad, but will be stuck with 8gb ram.
I don't care about the screen size, I have good eyes and the weigth trade-off makes this a non-issue.
I'm thinking about down the road, as either of these I'm sure will be fine solutions.  I'm just wondering where does the edge really come in this case?  Ram or processor / cores?
Thanks.

Thanks for your reply tjk, of course with 16gb on the 15'' for $200 more  I'd have easier time, but in this case I am comparing a refurbished - the lowest 15'' 16gb I could find would cost $500 more, I just can't do it. 
I should make clear that this particular comparison between 13''w/16 and 15''w/8, they are the same price (the 13 being new) - which is why I'm stuck.
To rephrase - for the same price - which will I regret less in 4 years?
As a side note, I can't believe I'm even thinking about paying this much money for something that is not upgradeable, but that's another discussion entirely.

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