This is on my work PC, I can't just switch there (:
For .NET development Visual Studio and Rider are the only decent options, everything else is "trash". Teams is the company communication tool (besides Outlook).
And we run SQL Servers in Azure, PostgreSQL would cost the same (but I'd love to switch to it myself).
You don't need 64 GB of RAM, I was happy with 48 GB too, but the headroom is nice. 32 GB would be borderline for my work though, especially as I often have two heavy backend services open (2x Visual Studio) plus a Python project for automated tests (VS Code).