My current desktop was bought in 2010. 8 gigs ram, GTX 460 vid card and an I5-2500k processor. I recall some people here making fun of me because I took four weeks picking out the parts and purchasing it. That's why I didn't just pull the trigger on any store-built POS or laptop. Just so I could make this post today
Read an interesting article on ram, processor and component interactions and why no regular home users need more than I've listed above. Think you need 16 or 32 gigs of ram? Your PC will never get close to maximizing 16 gigs of ram unless you work with large video files compressing them, multiple Photoshop projects, AutoCAD software, or play cutting edge games with an open Twitch stream where people are viewing and interacting with you as you play.
In fact most new games won't touch 16 gigs of ram, because games prefer to go to Vram on the videocard first, then go to the physical ram (in some cases). Windows still prefers creating it's own swapfile rather than max out the physical ram when gaming.
A ram test user opened 100 browser tabs, all different sites, his media player, Youtube video and started playing Grand Theft Auto Five which is now an older but still a CPU and Vram intensive game. He touched 10 gigs ram usage at times and said 3.6 of that was coming from the Windows OS itself, attempting to do background tasks while all of that other crap was going on.
If you're surfing the net and gaming at levels similar to mine (games circa 2010-2016), 8 gigs of ram will never slow you down. Of course the norm is now 16 but as that guy demonstrated, even demanding users rarely if ever use that much memory. There's more about how motherboard buses and processors bottleneck before that much ram can be used, but it's fairly technical.
Of course YOUR mileage may vary depending on what you do at home.