(Emphasis mine)
It's a perfectly valid concern, but I think it might be one that would matter a lot more 10 years ago than today if current trends continue. I'm almost certain I've posted this plot in here before, but here's the base RAM sizes (in MB) in all Mac SKUs released since 1984 (Y-axis is log-scaled). Note the plateau in growth that starts in the early 2010s:
View attachment 1971619
If that earlier rate of year-over-year growth had continued, Macs would have hit an average base RAM size of 32 GB in ~2018! Since OEM PCs have kept with this curve more-or-less over the same timeframe, I'd say that the "more RAM -> hungrier apps -> more need to upgrade RAM" cycle isn't what it used to be, either due to slowing in the development of cheaper high-density RAM, reduced need for more capacity, the influence of low-RAM smartphones on website/software design, or a combination of all three.
Unless something dramatic changes, 16 GB RAM in 10 years is going to be a much healthier than 4 GB RAM (the average base RAM in 2012) is today.
EDIT: Here's base storage over the same timeframe:
Of course, that doesn't help if you unexpectedly find yourself with a workload that requires more RAM or storage, but at least we don't have Moore's Law working against us the same way it used to. Plus, with Mac SSD speeds having DDR2-comparable bandwidth (not sure about the latency), swap is much less painful than it used to be.