These days for the cost (this is opinion based) I personally don't think so.
16 GB will do but the cost isn't too big a difference and I have seen my entire 32 GB used at points--even by simple things like a defrag on Win 7 ...if I was future proofing i'd get 2x32 GB if your not sweating for cash, granted your system and motherboard can handle it.
The 32 GB sets are certainly good priced right now at newegg though. I could have just got what was $200 (2x16 GB Corsair Vengeance LPX @2666) when I built my rig (with a 6700K 😉) 4 years ago for I think $70, I upgraded to the 3000 RGB sticks because I was building a low-profile rig for an entertainment center (and VR) in my living room, my rig is a flashy beast 2ft tall x 2ft long as it was my first full build for myself with the intention of getting....well, attention heh. THAT was overkill lol.
In my life, I have never seem a memory stick break or die and i've been doing repairs for 25+ yrs.
I have a 2002 XP comp using dimm without any external protection that was stuffed in a box with razor blades an all kinds of junk for ages an works fine still, not a great way to treat them I admit lol...but I was young and foolish.
I say go as big and as fast with as much of a compatible brand for any mobo as you can (corsair, crucial) in 2 slots (make sure they are not generic uncovered 1990 looking sticks, have heat spreaders and such), as using 4 can be a heatsink fan blocker and/or cause more heat from memory you likely won't need for quite awhile.
Simply because they rarely die, its one of the few things worth the money doing right ONCE in my opinion, but make sure you check your mobo for limitations first.
Again, this is how I see it, I'm broke most of the time, I always want to stay ahead...so its all my personal opinion here, nothing more. It really comes down to money/compatibility and if they release DDR5 a week from now.
I'm not that much of a hardware addict, more of a programmer. I live, I learn, I give my best suggestions. Nothing more.