I agree with your statement. It is just that 4GB RAM for me is keeping me from working with some of my software unless I downsize the image. If I were not doing fine art work, and just simply working up a straight image, my 4 GB would do me. It handles CS5 just fine.
And, while I don't shoot weddings, I'm uploading daily or nearly so, to two fine art agencies and also two stock agencies less frequently. So how long it takes something to load is not of small consequence.
And if I could add more RAM, I would stick with what I have, for awhile, anyway. Right now it will be hard to afford a new one. I was just saying that since I am forced into getting another one, because of the RAM situation, I'll go ahead and load up with all the power I can afford for the future, for 5 years down the road. I knew this was coming, so I've been saving up.