Apple M5 Max/Ultra Vs M2 Ultra – RAM problem/question

With the release of the Mac Studio with M5 Ultra, and Apple’s eye-watering RAM pricing, I’m trying to work out the best upgrade route for overall performance.

I currently have a Mac Studio with the top-spec M2 Ultra and 192GB of unified memory. The comparable upgrade would be the top-spec M5 Ultra, but with only 96GB of memory. The jump to 256GB adds roughly £4,000, which simply isn’t viable.

Would cutting my memory from 192GB to 96GB undermine the performance gains of the M5 Ultra? Would having only 96GB alongside the maxed-out CPU and GPU create a bottleneck, or does that only become an issue if my workloads actually exceed the available memory?

Alternatively, would I be better off choosing the top-spec M5 Max with 128GB of unified memory? It would have less CPU and GPU power than the M5 Ultra, but gives me more memory at a much more reasonable price.

My main work is motion graphics, primarily After Effects, alongside Cinema 4D and other Adobe applications. Which configuration is likely to offer the best balance for this kind of workload? 

Grateful of any ideas/thoughts.