If you can go for 64 RAM, go for it. I believe in the next couple of years, and the ram cost will increase, so you just invest in the future. Also, think about buying a good hard drive to ensure that your ram is working with great efficiency. I would recommend you to buy a transcend 3 TB SSD card since they have great prices today on the market and the best encryption mechanisms. Also, if you will use these SSD cards, it will be easy to recover any lost data via services like raid data recovery if something happens with your OS.