I know I bought 96GB of ecc ram last summer for ~$500. Seemed expensive at the time but it looked like prices were going up so I decided to over buy. I'd also never bought ecc before so I wasn't sure if that was over paying. That same kit is over $4k today if you can find it...

I think I've gone over 64 GB only a handful of times. Mostly when adding a ton of pics to immich or documents to paperless-ngx. I keep adding more services though so I'll get some more utilization out of it.