I have 32gb and I always suggest others to get that much as a baseline theses days. I rarely ever use anywhere close to the full 32gb, but I am often times at or near 16gb in use. The main benefit of having 32gb is in my case I’ll basically never be hitting the pagefile, but if you only had 16gb you’ll probably rarely max out on ram usage, but you’ll probably be hitting the pagefile more often.
With the proliferation of fast SSDs and NVME drives hitting the pagefile is considerably less impactful than it use to be with spinning disks, but it’s still slower than RAM.
I’ve actually been considering using 128gb recently. I’m only considering this as I’m thinking about turning a server of mine into my primary desktop and it has 128gb in it already because I was using a RAM disk to generate large files in memory. I’m now done with that project and it feels silly having this powerful PC sitting here doing nothing.