Memory prices are not likely to drop anytime soon. Most RAM manufacturers have recently moved to a new process and between the fact that there are some material shortages right now, and those companies recovering the cost of changing manufacturing to the new processes, plus, the fact that supply is decreased during the time that the production lines were down during these changes, means that it might be a while before the market equalizes again, if it even does.
We could be looking at these prices being the "new normal", much as the prices for SSD's, particularly NVME SSD's, has gone up and remained there due to similar material shortages. At least, that's what they are claiming. Personally I think it's a conspiracy to drive prices up because there is ONE major memory chip manufacturer that did not change processes, and they are still charging an increased price for their products despite no downtime or additional costs. Who knows.
Plus, RAM should ALWAYS be purchased in "matched" sets, so that all the modules have a much higher probability of playing nice together as well as running in dual channel mode, which doubles the memory bandwidth throughput.
Buying additional memory later is bad for two reasons.
One, those modules, even if they are the exact same part number, may not play nice with the first modules you purchased. There are many reasons for this and I can get into that if you desire.
Two, it's always best to get the full amount of memory you wish to run in capacities that require the use of only two sticks, instead of four, since you always want to run even numbers of matched modules so that it WILL run in dual channel. It is also an additional strain on the motherboard chipset and memory controller to run four modules as compared to only two, since more voltage is necessary for four modules than what is needed for two.
Nothing say it won't work any way you do it, but problems are not uncommon and it is best to try and avoid them whenever possible. If you want 16GB at some point, get it now, in a set. Considering the demands on system memory have been steadily increasing the last few years, I'd recommend 16GB as a minimum except where it is not financially possible. Especially if you will be running advanced video, 3d or VM applications.