HDD and SSD are no where has fast as RAM. Open up MS office, photoshop or GIP if you do not have photoshop, open windows media player, Firefox than open 12 tabs or more and look at taskmanger when system resources is 80% used or more you computer is running slow.
The iPad is lighting fast compared to 4GB windows laptop. And even 8GB windows laptop is starting to get there if you big on running different things in the background.
It normally pain using windows laptop or desktop computer with 4GB of RAM as you always closing stuff to speed up your computer.
Firefox and Google earth is really bloated these days and so is the internet. But you using mini Firefox app and mini Google earth app for the iPad so it us really fast.
I think you are comparing apples with oranges, virtual memory works different across OS's. On top of that, the average Windows laptop user does not boast a fast SSD, and the latest SSDs used by Apple's latest Macs and iPads are averaging 3 GB/s, even in write speed. That means you can have your considerably not-so-optimized Photoshop be fired up in 2 sec even if it's getting bloated to 6 GB RAM usage, and even if your RAM is already full.
Imagine a process of doing a video. Consider using something like Premiere, cutting and creating some video. You find yourself at 10 GB RAM usage already within your project - try to add another 8 GB video and you're already at the end of what you could do (every iPad below the 16 GB RAM version already, even if the RAM allocation of 5 GB had been lifted, would purge itself and have the app crash).
Imagine that same process with 5 GB of RAM in your project, and you want to import a 3 GB video file to add to your project - you would hit your hardware maximum on any model below 16 GB RAM, and even on 8 GB RAM M1 iPads, you would purge your apps because OS and other apps need RAM too.
You don't need to be a "pro" user to encounter app purge, this happens all the time, but this also means that you will never be able to count on the OS to support your work integrity. Even if, say, Premiere would feature an autosave - saving a 15 GB file would, with a write speed of 3 GB/s, take 5 seconds which means you will need to have the OS pause all activity that requires to access the disk.
This is the reason why people can
NOT use iPads for work that has no guarantee to be restored instantly. Also, you cannot leave it in the hands of developers to provide a failsafe the same way you don't leave it to developers to "enable" multitasking gestures and be allowed to leave their apps.
No one needs to wonder why there is no professional video, sound or general editing or programming software available on i"Pad"OS. It's simply because the missing pagefile prevents you from being productive in those areas.