In another thread I challenged the posters to prove their need for more than 16 gig of memory (other than running multiple VMs) using the current 64 bit processors and OS X.
It was crickets and now you write, "I've been hitting a wall..."
So please inform us how, what programs and what you are doing which absolutely uses over 16 gigs of memory.
And please don't say Final Cut Pro or other rendering programs use it before you check your memory used. These programs are CPU intensive at times, but do not require additional memory to run.
Just so you know I will eat my words and say, "yes I was wrong" if you or anyone else's can show that, besides running multiple VMs, more than 16 gig does something huge benefit in our 64 bit OS X world.
First, You seem to be quick to exclude running VMs. Many of us that use machines for work need to run multiple VMs. This is not a whim. For a lot of professionals, it is part of the job.
Second, there are other tasks that people do that use a lot of memory. I do work in a lot of realms. I do Machine Learning and training models on gigabytes of data uses a lot of memory to hold the models in memory. I also to mobile development and that means running emulators for X86 Android images and big IDEs like Intellij.
And then there is integration of all of the above. This means on my system I can have an instance of an Oracle DB server running, pulling data into routines that modify the data so it can be consumed by Python and TensorFlow to create neural networks. Those NNs that are made available via web services in nodejs or other technologies to clients that are using javascript frameworks like Angular or mobile clients running on Android or IOS.