Surely it depends on your usage.
64GB isn’t that much as it seemed 10 years ago, but for a single task still huge. I think it comes more to play if you have massive parallel workloads (running 10VMs with some amount of RAM - we’ll I think a 12”isn’t the best platform for that and the CPU isn’t ideal for this kind of workload), doing real ram intensive tasks (cutting 4k video streams) or such things.
Compiling gcc maybe isn’t the ram-heaviest task nowadays. But just my thought. I went with the official 48GB (was also thinking about 64GB) and did not get to it’s end now.
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Just remember that while the FW 12 is capable of running VMs and isn’t terrible at it, messing around with many VMs will be bottlenecked especially when it comes to RAM access. You have a single channel there and this will act as a bottleneck on RAM heavy tasks. Still it is more than capable of running 1 or 3 VMs at the same time without issue.
64gb RAM is about parity with my other devices. I like knowing that I have essentially the same resources across platforms. Not super important, and probably evidence of some underlying OCD issue, but I think it makes enough sense for me.