That iFixit guide to upgrade the Max Mini is daunting for newbies.
But you've inspired me to gather courage and do the DIY upgrade myself next month during the holidays. No use having a working PC lying unused, merely because it is very sluggish due to old hardware. Wish me luck (for the upgrade), I think I'll need it.
You’re just limiting yourself for no reason. It’s not Apples fault that you are sitting in front of an un-upgraded computer that is tool-less (for one of your tasks, at least) and has step by step instructions meant for beginners.
The SSD is a bit more fiddly, but can also be done at home. Check iFixit.
https://www.ifixit.com/Guide/Mac+mini+Late+2012+Hard+Drive+R...