AND you're using swap! So even if it is working ok, its slowly but surely wearing out your SSD. Thanks for the info.
People are getting too worked up about swap. You don't need to stress out about that unless you're doing some seriously insane things with your computer that puts it under extreme daily stress. Swap is meant to be used. Buy 96GB and you'll still use swap.
Most people also have an exaggerated assumption of how badly swap is degrading their drives. I'm on a 16GB M1 Pro. As a Dev and a Photographer, I have a far heavier workflow than most people reading this. I run VMs constantly, compile software in XCode and Android Studio, and use Capture One Pro daily. Sometimes Windows 11 is also running at the same time.
You'd think my laptop would be wreck, but here's are my drive health stats after 2 years of not paying any attention to the color of my memory pressure chart or obsessing about swap numbers.
My DriveDx report shows 98% health on a 2TB drive. To be fair, most people probably have a smaller drive, but even if I was doing this on a 512GB drive, I'd still have an over 90% health rating on my SSD.
Buy whatever you need to buy to make yourself feel more secure with your decision, but if you bought way less than you believe was smart, I wouldn't lose any sleep unless you find that your computer staggers and you can't get your work done.
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