I'm a long way from an expert but I easily added RAM to my wife's 2011 21" iMac by purchasing it from OWC, opening the little door on the back, pulling the old RAM and inserting the new. Are you certain yours can't be upgraded? I've purchased all my Mac's from my 2013 Mac Pro trashcan to my new 2020 iMac 27" with Apple's minimum RAM and added OWC RAM. With the new iMac, I added 64GB and saved about $1,000 over 64GB from Apple.
This begs the question of your choice of OS, I'm running Mojave on my Macbook Pro 2016 and Catalina on my iMac 2020. Both run smoothly and tolerate upgrades to Lightroom Classic and Photoshop. I've avoided Big Sur basically because I like to stay at least one OS behind-let someone else find the inevitable bugs.