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I've been used to 64 GB of RAM on an Intel iMac and, with the current pricing nuttiness, I'm tempted to save $600 by speccing a Mac Studio with 48 GB. Do we think I'll regret this?

Do you expect it to last the decade the Intel Mac did?

"Last" is relative. It's a 2017 model I bought in early 2019, and it's stuck on Ventura, so it's hard to disentangle iMac performance and Ventura badness.