Thank God I only use SSDs, and a NVME for the OS, with a Ryzen 3200G 3.6Ghx CPU on a MSI B450 pro Mobo, orig. built for about $600. However, with multiple installations of Firefox Portable, and two of Vivaldi, each for its own general purpose (right now 3 for forums and documentation, and two of my own web sites, 3 for comparison shopping, one for banking), hacked so as to enable multiple rows with multiple tabs open - much, much more efficient than bookmarks), plus multiple documents, then RAM gets used up. Of course, that need not slow down computing much due to the speed of writing to the NVME drive, but it can over stress explorer.exe.
https://i.postimg.cc/3xHsJM56/Tbar-2.jpgPraying about getting a new mobo which supports 128GB (about $200.00 total).
I of course started out with an assortment of “home computers from the early 1980s when 16 KBs of available RAM seemed pretty good and the 38 KBs usable in a Commodore 64 seemed great. Of course, the first IBM PC clone I put together had 512 KBs and that was astounding! I of course developed a habit early on of closing programs that were running in the background to maintain maximum performance. Although these days Windows actually does a pretty good job of keeping things sorted out even when you leave multiple programs running.
I mean no disrespect, but your post reminds me of an episode of the IT Crowd where Jen wants Roy to fix her laptop because she has too many programs running on it. This is a funny clip!