I have 20GB in my current setup and it was never full. If anything gets swapped in this situation it means it needlessly slows me down.
Not necessarily. Your memory also contains file backed pages (i.e. "file system cache"). These pages are typically not counted when determining "memory usage", because they can always be discarded.
It is often advantageous to keep frequently use files in cache in favor of unfrequently used memory pages.