I debated this in the forums when purchasing my M1Pro in 2021. I went with 16GB which many people thought would end up being too little in a Pro laptop as soon as 3-5 years of ownership. Well - I can report back that my 2021 Vintage M1Pro 16GB/1TB feels as fast and as fresh as the day I bought it. I use heavy Office, a Windows 11 VM via Parallels, Final Cut Pro (Multicam 4k 1-hour projects), Logic Pro, a massive Devonthink database and a million browser tabs. Often all at the same time!
I can see memory pressure get yellow and even red, but not once have I thought, this computer feels slow I should have bought more RAM. In fact, without the memory pressure meter I wouldn't have a clue what my RAM was doing based on responsiveness. People will also talk about SSD wear due to swap, but I haven't heard about masses of SSD failures from this so I sleep easy.
This is all a long way of saying that buying up to 32GB RAM would have been a waste up until now, and will probably not be needed for another 3-5 years at which point the CPU will be long in the tooth and won't keep up with software no matter how much RAM.
In terms of 'futureproofing' that's hard to know. I mean, the advent of on-device AI seems like the next big step in computing but could an M1Pro with 32, 64 or 96GB RAM compete with the latest generations of Apple silicon? I'll put money on an M4Pro with 18GB RAM being faster for AI than a M1Pro with 96GB RAM because of the dedicated hardware.
My point is that overpaying for RAM for 'futureproofing' could well be a waste because by the time you find that the lack of RAM is slowing down your Mac, there will be a new laptop with new features that will offer something better. It is easy to overspend unnecessarily - I'm convinced that the memory pressure gauge is put there by Apple marketing not Apple engineering!