Let me try to help you cut cost.
Cost cutting tip no 1.
Never buy RAM from the Apple store!!!! It's a rip off! Go Sim Lim buy your RAM regardless is Mac Mini or iMac really very easy to fix. I like go Fuwell just tell you want buy RAM for your Mac computer.
Cost cutting tip no 2. Buy AppleCare from people here in the forum. There are 2-3 good sellers with good review so is safe to buy from them.
Cost cutting tip no 3. Apple trackpad and keyboard takes up battery. Why not consider logitech trackpad which is rechargeable (at same price) and use a cheaper wireless keyboard?
Cost cutting tip no 4. Consider buying a refurbished set on the Apple online store. Yes it is 2nd hand but it's brand new! Look up reviews online and people will be saying refurbished sets are as good as new especially if you buy AppleCare.
(I know a friend once who bought a refurbished set and it keep giving him problems for 2 years, on the 3rd time he complain, Apple gave him a brand new updated model! And the warranty reset! omg Apple has such good customer service)
Cost cutting tip no 5. NEVER buy in reseller shops!!!!! Either buy online through Apple (not really a cost saving tip but it helps if your mac has problems) or if you really want safe money, buy in Malaysia. Yes it is cheaper.
OK now for the comparison between mac mini and iMac.
I try to make the spec as close as possible to match your requirements.
iMac 27 inch (excluding the cost of RAM @ $255 which you can buy from SIm Lim)
fusion drive
$2768
Mac Mini
2.6 qua core and fusion drive
$1508
27inch monitor from Dell (Same as Apple Spec)
$749
Apple Keyboard and Trackpad
$98 + $98
=$2453
$300 price difference. Of coz the graphic card is different. iMac has a better graphic card which unless you are dual boxing, playing dota should not be a problem.
I would like to ask you this, do you want an all-in-1 system? Do you like the slick look of the iMac or don't mind saving $300 and get the Mac Mini?
Either one you will not regret your decision.
Lastly, can you wait? I'm very sure both are coming up with a refresh by year's end.
Was intending to start a new thread luckily I saw this.
I need some advice here actually. Here's my situation.
I only have a budget of $3k strictly,
Considering between a maxed out mini
-2.6 quad core
16GB Ram
1TB fusion drive
With apple trackpad and wireless keyboard & apple care total would be 2.3k.( also planning to get a 27inch monitor as I don't have one)
Have never used any mac stuff except for iPhone. After reading the comments, would it be better off getting a 27inch i5 imac with lousy specs? But it would still be better than maxed out mini? And mini so long haven't get updated don't know whether can Tahan the new Yosemite that's due soon. And I heard the 802.ac not very good on the mini? Mainly using for heavy office work at home, parents use Videos, surf net, download music from torrent, watch movies and play light gaming like fm14 and Dota2. SORRY FOR THE LONG WALL OF TEXT! Any advice is welcomed!