I'm the kind of guy who doesn't really go for more than he needs when it comes to this sort of stuff.
I'm not rich by any stretch of the imagination, an extra 8GB would be an expense I have no interest in, if I can save money on my build without sacrificing quality, performance or peace of mind then I will save it.
I can't even ask my brother for tech advice anymore, my interests conflict with his too much, he always recommends the most overpriced and over-performing parts he can possibly find because he is the kind of guy who wants the biggest and the best.
The problem stems from the fact that nowadays he has an incredibly good job so he can actually afford to buy stuff he doesn't need.
By the way, I posted a rundown of my rig in the megathread like you asked