I went with 32 GB in my build from a week ago. Im liking it. Lots of overhead for the future, and like you said. Its dirt cheap, theres not really any reason not to do it. I love opening the system menu and seeing 12 GB out of 32 used.
OTOH I was convinced my 9900KS was going to be a furnace. but a Noctua D15 (Black Chromax version) is keeping it super cool while gaming. I cannot find ANYTHING outside of hardcore stress testing that approaches the 100 degree temps people say they get.
Im starting to think those extreme CPU stress tests are useless for real life temps. Nothing you do is going to push the cpu to those temps. Not even blender is pushing me that far. The chip is nice and fine. Glad I didnt bother with an AIO.
Yeah I got a 9900K and the temps are overstated with the Noctua D15. Maybe things would be different with a different HSF, but the temps are in line with my far inferior 6600K. Maybe the HSF is just so good that it can dissipate many times the wattage heat without even increasing fan RPMs? Put this HSF on battleships...
Also playing RDR2 I'm not even hitting 100% CPU on a single of the 16 threads even for a moment over a play session (meaning the CPU is really underutilized).