iMacs are user upgradable in terms of RAM ...The best idea with them it is to buy the lowest amount of RAM and upgrade them via third party so you don’t pay Apple RAM prices.
You'll no doubt correct me if I'm wrong but the initial 8GB of RAM on the vanilla iMac is SOLDERED onto the board. So you can only ADD extra memory - 'mix&match' , not ideal.
iMac Pros are not user upgradable... well, unless you don’t mind forgetting about the warranty and having to dissemble half of the machine to do so...
But you can have Apple techs upgrade it for you.
Read them, not sure where you see the problem. Buy something recommended and ideally use just that type and keep the original Apple one handy.
Armand, you can't keep RAM that's been soldered onto the board 'handy'. and adding RAM, as you'll see from the comments below, is NOT the best idea.
Look , you're speaking with someone who has experienced RAM issues and downtime in the past. It's just not, IMO, worth the hassle and risk - especially not if you're using the machines in any kind of professional capacity.
Going back to the OP, the price differential is $1,400, cost of non Apple RAM, about a third - so the net differential is less than a $1,000. If you're in the US and have access to OWC , yes, perhaps something to consider. If you're not then, personally, I wouldn't.
But as always - YMMV.The problem with 3rd party RAM and even storage is that if you have a problem, Apple can't help. The way they make RAM, it's serial number and OEM information is burned into the chips so their RAM test software/diag looks for Apple's name, part number and serial number is checked and if it's using 3rd party RAM, then you WILL get an error message to replace with Apple RAM and then Apple Support can help you. Same goes with SSD.
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Specifically on the iMac 5K's it's important to install memory from the same production batch for optimal system stability. Adding the (excellent quality btw!) Crucial RAM to the pre-existing OEM stuff isn't a recommended configuration. It may work, but isn't ideal. Even the same RAM from Crucial from different runs isn't recommended (per their tech support). In one system we had 1 bad chip from Crucial. They replaced all of them to be sure they matched.
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I had purchased Crucial direct from Crucial almost on the same day and within a week almost a year later, both of use had kernel panic issues and we both troubleshot it down to the RAM and Crucial sent out replacement RAM that didn't pass the memory test (3rd party test software) so they had to resend another replace module. so after it's all said and done, the downtime was over a week, WELL worth just spending the money on Apple RAM and not having the problem. I've not had any problems with Apple supplied RAM, knock on wood. And that's over the years since my first Apple II+ in 1977. They just have a good track record with quality RAM.