Actually this should consume a dozen GB of RAM more or less, the rest is in caches, which I think you're undervaluing a lot. Having everything you use in hot caches means any applications starts in a couple hundred of milliseconds, and everything is as fast as your RAM and CPU are, especially if you're running an OS that has a good implementation of file caching (e.g. Linux).
Having more leeway means I never have to close anything if I forget to. I might have my dev environment chugging along in a desktop workspace, while I'm in another with a few dozen browser tabs, talking on Discord with a full screen game running on the other monitor.
That's what a £150 module of 32 GB of RAM gives me. But actually I'm running 64 GB :-)
Both SolidWorks and Altium are such RAM hogs that I’ve had to upgrade to 64GB.
It would be lovely to work on laptops, since it’s the default assumption for most managers, so I either stick out as a weirdo for asking for a desktop every time I switch jobs, or shut up and spend most of my day dealing with slow laptops and random crashes, and having to make design choices around my computer (unnecessary) limitations.
Running out of RAM is not my main problem, continuously swapping is as has a performance hit across the whole system for some reason.
As with many things, it's not a NEED, it's more that having to care about what I have open at any given moment gets annoying.
Those ravenous apps are the problem here. Seriously, fuck Electron.
If you are writing C++ in Vim for an embedded platform, you are limited by CPU power because C is so heavy to compile, but you are most likely also not likely to be the typical HNer.