There were plenty of applications running under Tiger and Leopard that could use more RAM than the 512MB-1GB that came as standard with a PowerMac G5. Of course, in those days most Macs had user-upgradeable RAM so the idea of "future proofing" by loading up with RAM at the time of purchase wasn't such a big thing. Mid-life RAM upgrades were pretty common and really did extend the life of machines.You could have 16GB of RAM and PowerMac g5 and 'future proof' it, yet it still supported only Tiger and Leopard etc.
Anyway - 16GB would have been a bleeding-edge, hugely expensive spec at the time - 32x the base spec. We're talking here about whether to get 24 or 32GB on a M4 machine rather than 16GB here - your example is more akin to a M4 buyer upgrading to a 512GB Studio Ultra "because future proofing".
EG: I bought a 17" MBP in 2011 with 4GB RAM and a mechanical HD. Cost about £2500. Getting 8GB and a SSD BTO would have maybe added £700 to that. After 2-3 couple of years it was getting sluggish so I upgraded it to 8GB and SSD for a few hundred quid. It ended up lasting me until 2017. If it hadn't been upgradeable then - with hindsight - getting those BTO upgrades on day one would have paid off (even at Apple's extortionate prices).
Apart from the very occasional dead-end product, we're talking 5 years before you don't get the latest MacOS (often a blessing in disguise) another 2-3 years before you lose security updates, then an indeterminate period after that before you're forced to upgrade because of a critical vulnerability or software compatibility. 7 years is plenty of time to have to deal with a new hobby or job.By the time your requirements change Apple has already dropped the support.
What if you start freelancing and your customer tells you to use Windows only apps, like most of them do.
Good example.
Solution: install Parallels/Fusion and run ARM Windows (which is gradually getting better support - and if its not a demanding app even x86 emulation might be enough) in a VM.
Consequence: More demand for RAM and internal storage. Shoulda got that 24GB option...
The whole PC vs. Mac thing is a red herring here. Not much you can do on a Mac that you can't do on a PC (or vice versa) - it really comes down to how much you prefer MacOS over Windows. Meanwhile, nobody is saying that an extra 8GB of RAM is going to guarantee that you can hand your Mac down to your grandchildren - but it might stop you needing to buy a new Mac (on which you'll probably still have to spend another $200 to get more RAM) just to be able to open more broswser tabs. .
Anyway, what I said in my post was that - at Apple prices - getting extra RAM for "future proofing" probably isn't worth it. If Apple didn't charge 4x the going rate for RAM then getting an extra 8GB would be a no brainer even if it only extended the useful life of your machine by a year or so. This is the problem when Apple doesn't have enough processor variants to make good/better/best variants of each model & creates artificial scarcity of RAM and Storage instead.