*** The official 2023 and 2024 Mac mini thread (it has the M2 chip, the M4 chip and everything!) ***

Then I guess that's what the mac studio is for.
Aye, you're basically describing a Studio.

I feel like I will still need a dock for the SD card slot and add more ports too since at least 1 port at the back will be taken up by external storage (likely 3), I also need to plug in my mechanical keyboard, external speakers, WiFi dongle for controllers.
See above ;)
You know you want one! (but wedding, etc, I get it).
 
I think I've settled on my order:

Mini M4
24GB RAM
1TB SSD
AppleCare +
Magic Keyboard with USB-C
Magic Trackpad with USB-C

Sub Total: £1477.00
Apple Gift Cards: £381.00

Apple Store Total: £1096.00

Other Retailer: Studio Display with Tilt Stand (Standard Glass) = £1469.00

Grand Total: £2565.00

Would still need to purchase AppleCare+ for the Studio Display.

Should I stick with the RAM upgrade to 24GB to give me an extra cushion of performance going forward and for future macOS and additional Apple Intelligence features?
Nice, good shout on the SSD upgrade. My first MacBook had 256Gb and I grew to fill it up, the second had 512Gb and I nearly filled that up as well which is why I went with 1Tb on this one (M2 MBA). I think I'm hovering around 650Gb in use so it's the perfect size for me with no need to even consider plugging in any external storage.

I've never felt the need to take a laptop above 16Gb but my usage is light. It certainly can't hurt, that's the main thing.

You're going to like this lot when you get it, it's a cracking package and with the gift cards, you're getting a decent price.
 
A Mac won't slow down by not doing any regular maintenance.

Does she download so much that she's going to fill the SSD? Create a simple bash script that empties the downloads directory and put a shortcut for it on the desktop.
 
I can understand it, I never used to shut down my Macs but with the increase in energy cost, I always shut down the office iMac and the Studio in my Shack every day. It's only pennies a year but it all adds up.
 
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