It seems then extra RAM is the best option - as I'm reading static values from flash stored by PROGMEM, but than altering them as mentioned with terms such as adders and multipliers, and thus are stored in RAM. Right now, there's no way I've run out of RAM - but future code may do when processing many many more terms at once, so best add it to the hardware now.
These values in RAM are being updated on average, once each mS, sometimes twice as fast. Sounds like EEPROM is FAR too slow here.