count me in as one of those that doesn't really need it, but got a max.
had an m1 pro 14 inch 16gb ram that i was happy with, until recently did a photo job editing about 1k photos, applying presets etc. while watching an nba game. might have had some safari tabs open as well, and final cut in the background - i got a ram usage warning asking me to close some apps.
i also had the little rainbow wheel show up once or twice and a bit of lag
i'm not a professional photographer, its a hobby i'd like to get better at, and occasionally i'll get a paid gig here and there. I could have pushed the m1 pro a few more years and just dealt with a little bit of slowdown in the workflow
but alas GAS..
i wound up getting a base model m3 max on amazon that's on sale currently for 2900, and i'm hoping it'll be the computer for the next 5 years