Yep, in the present ram market - have to agree and it bears moere attention.
Some related issues I dont think u touched on are:
its not just about adding up usage numbers - i suspect windows loves having it, & will find uses for it if available, & increasingly so over time. Just because an app uses x amount of memory on 16GB, doesnt mean it will not profitably use more on a 32GB rig.
disk cache? gpu cache extension via 32GB/s pcie 4?
re budget allocation, pc prospects can face a choice between fast 16GB kits vs "slow" 2x16GB 32GB kits for similar money - I see 2x16GB hynix 3200 cl16 kits for $121 on newegg - not a big stretch above many 16GB kits. Which would serve the user better during its life - speed? or quantity?