The Pi4 has 8gb.
You questioned the benefits for a 64 bit OS. Simple 8gb of usable RAM, the 32bit version is stuck at 4gb.
Certain operations take 2 or more operations where a 64 bit OS can do it in 1 operation. It certain use cases its can double the speed.
The more plug-in you have the more RAM you will probably need.
Also feature creep will, and general changes to the program will slowly consume more memory.