Sorry, but you are fixated over an issue of your own making. Simply meaning, there wasn't one to begin with other than the ram. You just think there is because of lack of understanding.
Usage is Not how much of the cpu/gpu is Used, but how much it Uses. There's a difference.
You gpu is always 'maxed out'. It's at 100% ability in everything it does. Don't mistake ability for capacity.
Imagine you are putting a nail in the wall. You will use 100% of the muscles in your hand to hold the hammer. You will use 100% of the muscles in your arm to control and swing the hammer. That's cpu/gpu ability.
Nowhere in that does it require you to use 100% of the strength in all those muscles to grip the hammer, control the hammer or swing the hammer. That's cpu/gpu usage, how much strength is brought to bear, how much resources are used by the cpu/gpu to get the job done. Not how much of the cpu/gpu is used.
It uses 100% ability, but only requires 78% usage, in that game, of its resources including time to get the job done and use that 100%.
As said before by geofelt, you do not ever want to see 100% usage. That means the component can do no more, has no room for anything extra. Imagine your toon running through a town, at 100%. A panzer tank bursts through the wall next to you. That's a ton of particles and debris that's got to be added, but you were already at 100%. Fps just went into the toilet as the cpu slows fps to add all that extra stuff. Imagine the cpu was at 50% usage. Panzer tank explosion just bumped that to 78%. Fps doesn't really change much going to the gpu as the cpu has the room to add all the extra physX and partical computations and vector analysis and objects.
12th gen and Ryzen are preferred core status cpus. What that means is the cpu knows and has labeled which are the best 3 or so cores, which are the worst 3 or so. Some seem slow or fast, some use more voltage or less, some have higher resistances or less etc. The cpu will always try to use up the best cores first, as much as they can. In a 6 core cpu, that's the best 2 and if running a program that requires 3, will still try to get away with using just the best 2. The cpu will not use the worst cores unless it absolutely has to.
And it'll do this for as long as those 2 are the best. When they get used up a little, and the average core is better, it becomes best. The rotational cycle does 2 things. First, you always get best possible performance as you'll always be using the best possible cores. Secondly, it preserves the lifespan of the cpu, at best performance.
The side affect is that it screws up what you see, because a core is generally stronger than a thread, higher bandwidth, but the cpu will be using both threads in one preferred core before using a lesser core that's open and available.