You've got me thinking, and you are right that the fast exponential growth of RAM doesn't exist anymore, I hadn't actually noticed that. It has slowed to a more slower exponential growth. In 2012 I bought a new MBP w a baseline 4GB RAM with upgrade option of 8GB, but cheaper laptops had 2GB, so 2/4/8GB. In 2015, Apple laptop options were 4/8/16GB, and now they are 8/16/32/64. In another 5 years they could possibly be 16/32/etc, but hey, maybe the baseline will still be 8GB. And you are quite right that over the life of a laptop now, the RAM it comes with is probably sufficient, good point. I guess this is due to the growth rate of data sizes, and RAM actually finally catching up to the needs of that data. Text data is static. Images have grown, but RAM has caught up. Video is growing still, as we see HD, 4K, 8K etc, but it isn't doubling every two years. Software size is growing slowly, but RAM has caught up. Fair point.
It does however remain true that Apple charges 4x the market retail rate for RAM and SSD though, which really affects the purchase price horrendously, especially if you want a larger sized option. This is a huge reason why I have put off replacing my current 2015 MBP.