I got 16GB, that's what I use now on my 2020 MBP 13". Kind of worried that it won't be enough since it's being shared unlike before, but I also don't have to worry about future proofing or whatever so if it's not the right call then in a year or two when I upgrade I'll just consider it again.
If you're going to upgrade in a year or two, why are you even thinking of "future proofing?" If I upgraded every 2 years, I'd never buy anything but the base config unless I explicitly needed the extra RAM.
16GB will do most people just fine.