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Coming from past ownership of 2 981 Cayman S' and as a current owner of a 2020 M2C, I am going to say a gts 4.0 is the way to go since you have no plans to track the car.
a gts 4.0 will offer you much more driving enjoyment than the M2 for your spirited drives, with its NA engine and more focused driving experience.
Sounds like you are financing both cars towards ownership, so the actual cost delta between the 2 is more complicated then the difference in the monthly payments. Given the likelihood that the 4.0 may be the last normally aspirated mid engine car porsche makes, I suspect they will retain their value quite well. So maybe when you go to sell, the porsche will cost you less than the M2?
but even if it does cost you a little more, I would say yes it's worth it, if you are an enthusiast you need the porsche experience at least once in your life, they are just amazing cars
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