I'm mostly a freehand artist; I chew up a lot of memory with dozens of layers and 4k resolutions, but I don't really apply a lot of effects other than the occasional blur. Besides, I've got my eye on Zen+, so I'd rather be a little frugal now and then splurge on the best drop-in replacement CPU in 12-18 months
Heavily modded Kerbal Space Program will eat 12-14gb memory without trying - push it further and you can get the game on its own well above 16, nevermind whatever background processes you have running. Cities Skylines with a ton of workshop assets can get equally crazy, and even Minecraft can be modded up to consume a good 12gb+ if you like that sort of thing.
The fact that
off the shelf games don't need 16gb certainly shouldn't be taken to mean that you can't end up playing a game that will benefit from it ^^
...if it wasn't clear, I already have 32gb, I use upwards of 75% of it regularly, and it's a fundamental part of my system requirements for any build. There's little point trying to convince me that less is enough