You say that now..... What will tomorrow bring? The rig I built in 2013 was maxed out at 16GB. People told me then that I'd never need so much. Now 16GB is seen as a standard. Look beyond the software of today. Look beyond and maybe, just maybe, you will be prepared for tomorrow.
I used to have that mindset back when I first started building systems. But what I've come to realize in terms of RAM is that most applications are not total RAM hogs. If you look at what gets allocated to your system's RAM, the total overall RAM usage of programs isn't what you think it is or is going to be. For the most part, it hasn't changed much in the last 10 years and it probably is not going to. There is always that possibility that games could start using more RAM and in a lot of ways the amount of recommended system RAM has increased to 32GB, but that's just a recommendation. There's no way that you absolutely have to have the maximum amount of RAM recommended and there's no way you will ever use all of it, but it has taken 10 years to get to this point. Who knows what the requirements are going to be 10 years from now?
Once you start going past 32GB, then you start getting diminishing returns the more RAM you buy. Unless you're like a hardcore Photoshop / Premiere editor, or an Autodesk / Solid Works user where you work with files that have hundreds of layers, there's no way you'd ever need or use more than 32GB, and when you start buying more than that, that's when things get really expensive and can add a lot of unnecessary costs to a system budget.