Ok, I’ll be the odd one out. On Macs with 16gb, and giving 4gb to windows for a 32-bit Win10 vm makes the rest of the Mac run choppy at times. This is with the vm running all the time. On my Mac Mini with 32 gb, no such issues. I typically give Windows 2 cores.
I use Windows solely to run Quicken Home & Business… once I upgrade to an M1 Mac, thinking of ditching Parallels and going with a Windows 365 Cloud PC to run QHB.