I have a couple of sparse swap files handy for when I know I'll need them. And it happens with some very specific and predictable use cases. Usually it's when I need to load some big timeseries csv files from pandas and parse a datetime index. Or when I need to process big images. It's useful to be able to attach some additional swap when you need it and drop it afterwards.

For everyday use I never even exceed 16GBs... Guess everyone has different needs, but there is no way it swaps over 32GB for normal applications, even taking into account overcommitting.