Don't install Windows 11, play AAA games from the last couple of years or run local LLM models and even 16GB DDR4 are fine.

If you're worried about your existing DIMMs burning (an unlikely event unless your machine is already pretty unstable because they're constantly overheating), there's no "apocalypse" for DIMM heatsinks and fans to point at them, or you can just reduce the speed memory is access at in your motherboard is it's a decent one (and the way termal balance for heat generation in electronic devices works, a small percentual reduction in speed yields a significant reduction in equilibrium temperature).