You have the money part backwards. Inflation is working against us, so what costs $100 today may well cost $120 or more in 6 months. Just think about why it costs so much more to buy gasoline now then it did 6 months ago. Same will eventually happen to ram. Also, if DDR3 starts to come into larger production and its prices drop, DDR2 may become more expensive, same as what happened to DDR ram.
Though I have my doubts as to whether 8 gig will ever be needed for the home user, it might be remembered that when XP came out, 512mb was a lot of ram, but now 2gb is standard. That's four times the amount between the original and the end, so if the same holds true with the 64 bit OS requirements, the 2gb times 4 would end at 8gb. You never know what the future will do for sure, but $100 for the bet is cheap.