I totally agree that putting in the ram in stages may be a pain, but my wallet says that this is how it is going to have to be :-) I may wait to have the whole thing up and running until I have all the parts, but I may decide that 4MB is enough too. Don't think the programs I want to run require more than 1 MB Fast RAM.
But if I have to do it in stages, that is precisely how it will progress. I have been a Technician for over 15 years and though new to Amiga as a platform, not too intimidated by taking the machine apart and putting it back together too much. Also 97% sure no rom tower
I do appreciate all the suggestions and if the means to do all the ram at once and the ROMs (assuming they are not already 3.1) then I will make that decision then.
Again appreciate all the help :-)