This. My Mac has 16GB but I use half of it with a Linux virtual machine, since I use my Mac to write Linux (server) software.
I don't need to do that - I could totally run that software directly on my Mac, but I like having a dev environment where I can just delete it all and start over without affecting my main OS. I could totally work effectively with 8GB. Also I don't need to give the Linux VM less memory, all my production servers have way less than that. But I don't need to - because 8GB for the host is more than enough.
Obviously it depends what software you're running, but editing text, compiling code, and browsing the web... it doesn't use that much. And the AI code completion system I use needs terabytes of RAM. Hard to believe Apple's one that runs locally will be anywhere near as good.