I've got 8 in my SP3, and Chrome by itself is usually eating 3+. My development work isn't that heavy (but is very dockerized). I'm usually around 85% utilization, and then if I have a video call I may need to shut other things down. Mostly I'm just hoping to reduce the amount of trading like that I need to do.

Then there's the fact that I expect to keep it for another 3 years, and I doubt memory usage will go down.