I believe most consumer CPUs only have 2 memory channels w/ 1 memory controller so unless they're using 64GB UDIMMs (which I believe do exist as of this year) then gamers seem limited to 64GB total ram (2x32GB) unless they want to drop their ram frequency.
For example a 9950x3d officially supports 2 sticks at DDR5-5600 but 4 sticks at only DDR5-3600. [1]
I had a friend run into this issue on AM5 when he was trying to use 4x32GB DDR5 on his gaming PC.
There have been 48GB dual-rank DIMMs for about two years now, so 96GB using two slots and operating at high frequency has been an option. But even 64GB is still somewhat overkill for a gaming PC, putting you more into workstation territory.
2x48GB is also like $250. Cheaper than weekly error margins for high end GPUs. It just don't make sense not to max out. Felt smoothness in OS, likely from disk cache, is also noticeable when "extra" capacity is removed.
For example a 9950x3d officially supports 2 sticks at DDR5-5600 but 4 sticks at only DDR5-3600. [1]
I had a friend run into this issue on AM5 when he was trying to use 4x32GB DDR5 on his gaming PC.
[1] https://www.amd.com/en/products/processors/desktops/ryzen/90...