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Do I really need a 5k display? No. Do I want to spend $2,000+ to downgrade my monitor after using a 27" 5k display for the past 8 years? Also no.
My first thought would be to spend the extra money on RAM and external drive, but no matter how well the the 4k might perform, you'll always have the "downgrade thought" in the back of your mind. Spread over the life of the equipment the additional cost isn't worth the piece of mind, go for it.