Photoshop maxes out my 16 . Not gonna claim that I need 32 for my photoshopping, but i'm not gonna buy a machine with 20 or 24 GB

I wouldn't say that 4 physical cores *usually* means 8 logical though. That's really only true on i7 models. i5s don't have ht, unless it's a dualcore laptop cpu. The new AMDs might come with HT on most models, but those aren't out yet so it's not gonna be a choice in a built that's being made now.