Important to keep in mind you won’t be able to replace that SSD without taking the machine to an Apple Store, and I’m not even sure they can replace the SSD without replacing the motherboard.
So almost no matter how much ram you get, in multi-application day to day workflows it’ll still use swap sometimes just because it can.
If your workflow involves something like giant objects in python or huge data structures that need to be in ram for performance, then you need the ram. But for use cases like 2,000 browser tabs plus photoshop plus Lightroom plus ten electron apps, mac osx “feels” like it has way more ram than an equivalent windows machine.
Being able to use swap is obviously beneficial, and if you're going to use it, it's better if it's fast.
But relying on it in place of regular RAM means you're just artificially shortening the life of your SSD - that's what I meant about "a false economy".
The machine "feeling" responsive isn't the point.
If all other factors are the same, the ssd wear on a machine that's used the ssd heavily for swap is going to be significantly higher.
For regular stuff that's not gpu intensive, it's not really much different to any other system in terms of how it uses ram. What's different is it has a ridiculously fast SSD and can swap without much performance hit.
Relying on your ssd for swap over getting enough memory in the first place seems like false economy to me.