You can never have "enough" RAM on device that can suspend an infinite amount of apps for an infinite amount of time. Eventually an app will refresh. 6gb MIGHT be good for the OP work load but not for the guy that is doing that PLUS editing a video in Adobe (iPad).
Apple intentionally uses the minimum amount of RAM required to keep apps optimized. If you increase the amount of RAM available little will change because App Devs will just optimize their apps less. Its no different than if you have a 8gb storage device and 512gb. The 8gb you are constantly micromanaging and streamlining what is on it, the 512gb device you are downloading movies without even a plan to watch them.
Devices with more RAM need more RAM. The allowance an app can use in the foreground is based on the devices requirements. For example an iPhone X can use 1.2gb of 3gb memory with a foreground app. And iPad Pro can use 3gb of 4gb memory with a foreground app. More data at higher resolutions requires more memory. Even though that leaves 1.8gb for the background with the X and 1gb for the background with the iPad Pro that doesn't mean it will have better performance because it could have more hardware running in the background for cellular hardware based apps and things of that nature.
Certain other mobile operating systems control memory usage via built in mechanisms. This is due to lack of accessibly and control the apps have over the memory, especially if the are running in a java virtual machine for example (which also requires more memory and is not an efficient use of memory a lot of the time).
With iOS the apps have control of memory usage with the OS forcing its hand when there is a problem.
Your foreground apps can only use a specific amount of of RAM before they get a warning (at that point they need to discard data) from the OS framework used for memory (might be metrickit?), if they exceed the limit iOS will terminate the app with an OOM error (out of memory).
Your background apps (depending on APIs), as soon as they go into the background are immediately going to snapshot where you are, hide private/sensitive data from the app switcher, release control of hardware (camera, mic, etc), and release memory (data is cached, foreground has priority to purge and use it if needed). And they are supposed to discard large data that can be reloaded. However if you do that when you open the app it could look like its refreshing from scratch but its reloading large assets like images. If you do
not do that your app is a larger target for being pushed out of memory by a foreground app (priority).
So a single app that is poorly optimized for foreground use can cause your background apps to need to reload. Or if its poorly optimized for background use it can cause itself to be purged due to being to large or terminated by the OS for not doing what its supposed to do.
On top of that every update that adds any feature with a system background function potentially uses the RAM that was previous allotted for background task and suspended apps cached data. This isn't limited to features either, spotlight needs to index, iOS is updating other devices (WatchOS, HomePods, AirPods) and can settle back to the way it was once its all done.
Web browsers tabs will always refresh if its a ad laden webpage. A webpage with adds that cycle or even worse play a video could grow indefinitely. I picked one I knew while I was tying this and let it run int he background of MacOS, started at 100mb and now its 1.26gb.
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That single webpage (granted desktop version in this case) would cause all sort of things to refresh. Its exceeding the total allowance of memory usage for most iPhones all by itself.
TL;DR Its normal behavior if you are going to mimics swap use although it does seems the OP and people here are noticing a "change" with apps refreshing (I haven't YET) so it could be a bug, a temporary function running in the background like spotlight or photos manipulation (metadata updating) or storage optimization services (iCloud messages and photo library), or new "features" just using more memory.
However generally its an app. Not always but most of the time. Memory leaks are generally the reason an will go from full speed to immediately crashing to the home screen.