No. Unlike some other Apple products the basic 32GB on the Studio is pretty reasonable. Unless you feel you might suddenly get the urge to do some very serious video or graphics work, or load a large orchestra of samples into Logic - and even then, 32GB is plenty to let you dabble.
There are good reasons why some people need a lot more RAM for their work, but, generally, I'd say that before you go above 16GB you need to have a specific reason in mind as to why you might need that much.
The only possible justification is that if you want to re-sell it after a few years, it will be easier to shift a 64GB model in a market flooded with base models. I'd file that under "long shot".
Nothing wrong with overkill provided you've got your eyes open, but really, it sounds like you need a Mac Mini - unless you need the extra display support and I/O you get with a Studio. The other performance benefits of the Studio don't really cut in unless you're running heavily multi-threaded or GPU-heavy jobs If you're not in a hurry it might be worth waiting to see if a M2 Mini emerges this year.