Speed and utilization are not the same. My 2018 MBP was a great speed improvement over the 2015 MBP I previously used, even in cases where the 2015 MBP wasn't using all cores (which really rarely happened, since for the workloads I use, multiple Electron apps and Docker for Mac, typing in Slack would start stuttering as soon as multiple cores were in constant use). I don't think it was ever usable enough at 6-7 cores maxed for me to start new things to try to use that last core...
I use a mid 2012 retina that I bought used and have spilled water on 4 times. I keep 10 chrome windows open with around 15-20 tabs open each. In addition to microsoft word, sketch/figma, atom/pycharm/rubymine/intellij, multiple preview books, multiple iterm instances, postgres, and the Books app.
I don't have any trouble except when using docker for mac (which I just use the cloud for now) and photoshop.
If you spend big bucks on a MBP, and still have problems with performance, you could start using the cloud or a home server for that docker stuff. Scaleway has reasonable priced servers, or you buy something like a simple Zotac Mini PC to run as linux server at home.
Do you happen to know any great guide for setting it up properly?
I did it a while back with docker machine but I remember it being quite the hassle and didn't work as smoothly as a locale instance, damn shame since docker is the number obesity leading reason I keep running out of ram on my laptop.