Since I've ever only done rather simple boards: when would you actually need 16 layers? How complex of a component are we talking about when it would be feasible to use that many layers?
And then of course, signal count and density. Many FPGAs have a thousand or more pins.
But for complex digital boards, 16 (or more) layers is common.
If you use any kind of BGA you will want to start with 4 layers just for signal integrity.