I have an M2 Max MacBook Pro with 32GB of RAM and a 2 TB SSD. It works great and will do everything you need, but I’d have gotten 64GB of RAM if I had to do it again. There are times with Final Cut, Photoshop, and other apps open that the available RAM drops to 3 or 4 GB, and Final Cut becomes unhappy. If I run Memory Clean and free up 8 to 10GB of RAM, all is well.
If you choose the M4 Mac Mini, I suggest you max out the RAM with 32GB and get a 1TB SSD. It’s less than $1500.
If you haven’t checked out Apple’s refurbished gear, take a look. Occasionally, there are very good deals.