in regards to "future-proofing" being a factor, and thus getting higher configurations solely for that reason, my opinion may differ from others. i used to be always about the "get the top of the line no matter what" because i realized something about computers. although i use computers alot - and i mean alot - a) computers may have longer life cycles than phones, but at the same time when new computers come out they are generally more significant upgrades. b) i use both desktop and portable versions like a laptop or hybrid c) regardless of how often i use computers, it's not always with me.
To explain those 3 points, I'll compare to phones. I always get the most current, top spec'ed phone but its because I ALWAYS have my phone with me at all times and gets ALOT of use (even as an emergency work device if I'm out without a computer, and as a hotspot device even when i am out with a computer). as a result, regardless of the platform and brand, I've noticed cell phones age rather poorly in terms of performance. top specs, in the case of phones, help to mitigate that issue significantly and thus worth spending the money to future proof.
with computers, like let's say my surface pro 4, performance ages rather well and as a result should last a few more years without significant loss of performance, especially if your computing uses are divided amongst different devices (ie., desktop and laptop/hybrid). by the time performance issues become noticeable, or your situation changes to demand higher/different functionalities, a new computer will come out with significantly more options and upgrades that you will want.
so unless, you laptop will be your only computer (ie., no desktop), get the configuration that will be sufficient enough for you uses now and one that best fits your budget. like i said, unless your usage patterns demand higher specs, i think the base model will suffice.