Can't imagine what one needs more than 16GB for unless it's local LLMs. I regularly do front end dev while I'm editing 10-bit 4K60 footage in Da Vinci Resolve, runs smooth as butter.
While I agree with you, I think it's important to note that MacOS does swap to disk quite often, even on 16 GB. While it's rarely noticeable due to how fast the internal SSDs are, it still leads to some degree of SSD wear (and disk i/o usage) that could be avoided with additional RAM. I can't imagine this leading to drive failure considering how long the lifespans of SSDs are though.