16GB should be enough for anybody...
Let's be honest, a lot of us have been in this for long enough that the old reflex of always trying to get the maximum spec at the time of purchase is still hard to shake off.
But actually... I had a 2013 Haswell system with 16GB that's now DEAD. Its replacement also has just 16GB and is under no strain. I had a 2015 Macbook Pro with 16GB that's long since been packed off to someone through Ebay, and the XPS13 that replaced it has 16GB too and is... also not exactly bursting. And I can still do anything I need to do in 16GB except maybe run a couple of generously specced virtual machines in my iMac which... I hardly ever need to do, and your options that way in M1-land are limited anyway.
I think we may have really hit the moment where ... dare I say it... unless you have specialist needs 16GB actually is enough and has been for years and years.
(Ability to add multiple monitors though, *that's* holding me back from M1ness...)
I'm not even going to make the point about x amount of memory in an M1 behaving like more in other architectures. Maybe, because of the reduced need to copy it around the place, but frankly 16GB has been enough in MacOS, WIndows and Linux on Intel/AMD systems for years now. If you really do need more, you probably have specialised needs.
... or you could maybe stand to close/bookmark a few chrome tabs...