I agree, having a bit more memory than you typically use is a good idea, there is a point of diminishing returns though. If you typically use less than 16GB of memory, buying 64GB isn't really giving you much of an advantage because the majority of that memory will sit unused. You could argue future proofing, but the fact is you would be better off waiting to purchase that extra memory when you actually need it as it will (usually) be cheaper by that time.