But after three years you decide you want a new car. If you trade in the Altima, you will likely get about 46% of the sticker price, or $10,621 (the resale value after three years, according to the Kelley Blue Book). Then you'll have to pay off the loan. Figure your total out-of-pocket cost will be $9,525.
The Y-series CPUs have a six watt SDP, down from seven watts in Ivy Bridge and they also have a 9.5 watt cTDP between the max TDP value and the SDP value. U-series CPUs also have a cTDP of 11.5 watts, but don't have a validated SDP value.
But RAM is different. Yes, DDR4 RAM is faster than DDR3 RAM, but the speed difference for PC gaming is minor. You mainly only need to worry about how much RAM you have, not how fast it is. Games, your operating system, and the programs you use have a memory footprint.