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Is 3.3 ghz and 3.5 g.z a big difference in laptops?

Hello, looking to buy a new HP laptop and need help! Is 3.3 ghz and 3.5 g.z a big difference in processing speed? It would be an $80 difference to buy upgraded. 

I also opted to pay $50 to upgrade my RAM from 8gb to 12gb. I didn't think it'd necessarily be better to upgrade RAM to 16gb at $90 extra. What are your opinions?! I am new to programming. Thank you in advance : )

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