I'll cut to the chase - I use Affinity Photo nearly every day. I don't believe anyone is doing you a service by telling you 16 gigs is what you should get. Consider RAM, M chip choice, then storage in that order for making your purchase. I think those suggesting 32 gigs of RAM are doing you a favour.
If you have mail, messages, and say 2-5 web pages open, it may suck up a bit of RAM leaving you with less for Affinity work.
As I said I use Affinity for digital photo restoration mostly. I also use other apps as well and for that reason I did get quite a bit of RAM and I make no bones it was a good investment. MacOS and some apps are miserable at memory management. (The latter being the real reason for needing more* RAM).
I use M4 Studio with 64gig RAM, 1 TB drive, Affinity Photo, Topaz Plugins, DxO Lab 8 with Nik Collection and Luminar Neo as my tools. I keep email, limited browser, messages, VPN, and often another app open when I am using Affinity and have had now no issues unlike with the M1 Mini (such a great lil machine now dedicated to media play mostly).