If you had asked me that question 2-3 years ago, I would have clearly answered '16GB is for 95% enough'. Even the 8GB should have done it for many. With all that Apple Intelligence stuff more and more rolling out in the next couple of years it's kind of a unknown direction. The fact that Apple even got rid of the 8GB base models of the M2/M2 Airs 'for free' is a clear indication for me that MacOS will definitly use more RAM in the future by default (how much nobody knows). But Apple isn't a company which gifts you 8GB for free, because they think 16GB is appropriate for the time being and for their prices. They have done it, because MacOS will need it for the future. So if 16GB is sufficient for your workflow now (without any Apple Intelligence stuff in the background), then it could be a problem in the future. But all that depends of what are you doing and which of it parallel. So if you have quite some free margin of RAM in your current workflow then 16GB should be fine. Otherwise an upgrade to 24GB should be an option to consider. Of course you can disable all that AI stuff, but I can also leave my MacBook on the table, do nothing and say 8GB of ram is enough.