I think it depends on what you do as a 'daily driver' I went for 24GB Memory, but didn't increase the SSD size because my needs are more memory but I don't use a whole heap of actual disk space. For reference, I do quite a lot of docker work, and spin test containers up locally often, write code and I am also one of those weird people who now exclusively games on a Mac, so the increased memory for that is useful.
Have to take into account AI too, and what that will take if you don't/can't turn things off - I haven't looked into it at all yet. Plus future proofing, I want to keep my Mac mini realistically for 5-6 years. That's the downside to choosing the base product these days, but more around not being able to upgrade without purchasing new.
I'm of the opinion that base-model will suffice for the vast majority of average users, and that's realistically what Apple will base their pricing/offering on I suspect.