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16GB is a very reasonable amount to have for comfort and most people with 16GB are likely using most of it.
I agree that 16GB is a reasonable amount, and will become more needed for gaming and other tasks as time goes on. I'm not sure most people are using most of that amount yet though, especially when talking about systems not used for gaming or other enthusiast purposes. My point was more that many people didn't have any immediate 'need' for more than 8GB two years ago, but went with 16GB even for lower-budget systems due to the extremely low cost compared to where RAM prices have typically been. And anyone wanting a higher-end system might have been tempted to go with 32GB or more, despite them not actually getting all that much benefit out of it. Sure, there's RAM caching utilities, but relatively few people are using them, and their benefits are somewhat lessened with the proliferation of SSDs. You can't blame people for getting more than they necessarily needed when the prices were low, but the manufacturers could have probably held onto stock and doled it out at a less rapid pace to keep the prices more in check, rather than having them swing from one extreme to the other.
That said, the prices aren't necessarily historically terrible though. It has been the case at times in the past where the minimum amount of RAM required for things like gaming could cost close to $100, and where the amount that would be comfortable for a few years might cost close to $200. I think it just seems worse now due to the extremely low prices that it was recently available for. We are likely nearing the point were 8GB will not be enough for some new game releases though, at which point 16GB will be what people will definitely want to have in a system intended for that purpose.