My mid-range gaming PC from 2019 had 16gb, and I was looking at some new pre-builts and saw many still only have 16. Is there just not much need for more, or what? It's cheap - I might double what I've got in DDR4 for $50.
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 would say 16 GB is the bare minimum. Oblivion for example needs about 10 GB, If you have discord, your Browser, and 1-2 other programs running in the background simultaneously, you will easily reach your limit.
I upgraded from 16 to 64 a few months ago, and kinda regret not going for 96 instead. Hoping these 64 last around a decade like the 16GB did previously