“I’ve been saving for months to get the Corsair Dominator 64GB CL30 kit,” one beleagured PC builder wrote on Reddit. “It was about $280 when I looked,” said u/RaidriarT, “Fast forward today on PCPartPicker, they want $547 for the same kit? A nearly 100% increase in a couple months?”
For normal use like that 16GB is generally just fine. Some games can use enough that you’ll need to close Firefox and other RAM hungry programs though.
As far as needing more than that, people who do heavy design work or edit videos and that kind of thing generally do. For example 32GB running Fusion in Davinci Resolve can be a bit limiting sometimes with higher resolution or 10 bit footage.