To provide my anecdata, my work MBP is 48GB and with nothing more than our dev environment, VSCode, Slack and Chrome it's at 34GB memory used. Modern NVMe drives make swapping to disk bearable (and it's the same on MacOS and Linux), but it is still swap and there will always be a performance penalty.
Sure I could survive with a 32GB machine but over the many years of life a laptop has, the extra cost seems negligible, and I would prefer to have slightly more RAM than I need rather than slightly less. With how bloated the web is becoming I wouldn't recommend an 8GB machine in 2026 to someone who intends to use it for the next decade. (I know people still using 2013 Macbooks with 16GB that are still fine for the kind of usage the Neo is aimed at.)