My dad's 386DX-25 took chip RAM. I think he maxed it (or at least populated all the sockets) with 8 MB of memory, back when 2 MB was more typical. It was enough to run Windows 3.1 with ease, even at 1024x768 (on a 13" monitor). Once the internet came along, we added a modem and were running a TCP/IP stack + web browser with no problem.
I was chomping at the bit to do Windows development, since it was the easiest way to get a true 32-bit environment. In DOS, not only did you have the 640k limit (and I couldn't be bothered to deal with extended memory managers), but it was actually pretty annoying if you wanted to go beyond just 64k, because now you needed far pointers that had both a segment and offset component.
I just bought 64 GB for a desktop PC. I only did it to achieve a dual-rank DDR5 configuration, which is slightly faster than single-rank. I'm upgrading from a machine with 16 GB, which I still feel is pretty adequate. It does sort of boggle the mind that so much memory is even needed, but I blame a lot of that on the web (plus I tend to keep a fair few windows & tabs open).