For what it's worth, I have a 13" M2 Air with 24GB and a 15" M2 Air with 16GB and there is no discernible difference between the two and neither have used swap so far (other than an anomaly with my 13" Air that used low swap one time with plenty of available memory left, hasn't happened since).
This is basic MS Office suite usage, remote desktop into work, Teams, Apple Music, YouTube, Chrome, pod casts, etc., so not a whole lot of heavy lifting, but I still run many apps and have many documents open with no swapping. But I am also not a person who has 47 Chrome tabs open.
The only reason why I opted for 24GB on my 13" Air is because I use Parallels with Windows 11 that has 8GB of memory dedicated to it. I don't use it often, but when I do, it's nice not to dig into my Mac's memory as I've found that 16GB is the sweet spot for me. But, you can never have too much RAM!