IMac 2012 (December) more RAM or faster processor?

I will buy a 21.5 iMac.  Basic user: web, MS Office documents, some photo editing, burn DVDs.  Maybe light video.  I tend to keep my computers a long time (current Mac is the half dome from about 8 years ago).
Question: for the most bang for the buck, and long term use, is it worth adding more RAM (8 to 16) or upgrading the processor (2.7 to 2.9)?
Or just keep the basic model?
Unlike previous questions like this, the 21.5 Macs don't let you add RAM later.   I get conflicting opinions from Mac store.

IMHO if you intend to keep the machine a long time in order to get the best performance and most futureability I'd recommend getting the i7 21.5" with 16GB and get the 1TB Fusion drive. The 2012 21.5" iMacs are not designed to be user upgradeable for anything however OWC (www.macsales.com) sells a RAM upgrade kit. It takes skill to do the upgrade and will probably invalidate the warranty but it's possible.
IMHO I'd buy the upgrades from Apple at the point of order. You can purchase the above (i7, 16GB, Fusion drive)  configuration from Apple's online store, I doubt the brick and mortar store would carry it.

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